Volkswagen Golf Insurance Rates

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UPDATED: Jun 2, 2023

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Is a VW Golf expensive to insure? The average Volkswagen Golf insurance rates are $123 per month or $1,478 annually. Many factors impact what you’ll pay for your VW Gold car insurance. For example, rates for a Volkswagen Golf 2020 model will be higher than what you’ll pay for a Volkswagen Golf 2019 model.  

Depending on the year of your VW Golf, you might consider purchasing fuller coverage car insurance. Read through our guide to learn what does liability insurance cover versus collision and comprehensive insurance policies, and to find out how to secure cheap can insurance for a VW Golf. 

When you’re ready to get the best car insurance for a Volkswagen Golf, just enter your five-digit ZIP code into our FREE quote comparison tool.

Average insurance rates for a Volkswagen Golf are $1,454 a year including full coverage. Comprehensive costs around $306 a year, collision insurance costs $600, and liability costs around $390. A policy with just liability insurance costs as low as $452 a year, and coverage for high-risk drivers costs around $3,162. Teen drivers receive the highest rates at up to $5,402 a year.

Average premium for full coverage: $1,454

Rate estimates for individual coverage type:

Comprehensive $306
Collision $600
Liability $390

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Golf trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $452 for minimum levels of liability insurance to a high of $3,162 for coverage for higher-risk drivers.

Liability Only $452
Full Coverage $1,454
High Risk $3,162

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

These examples highlight why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below breaks down average Volkswagen Golf insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $826
  • Using higher $1,000 deductibles will save about $1,250 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,454
  • Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,858
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $3,162
  • The cost for full coverage for a 16-year-old driver can be $5,402 or more

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing Volkswagen Golf insurance rates range from $826 to $5,402 for full coverage

Insurance rates for a Volkswagen Golf can also vary considerably based on your driver profile, the model of your Golf, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

Where you live has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,080 on average in Michigan, New York, and Louisiana.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,318 -$136 -9.4%
Alaska $1,116 -$338 -23.2%
Arizona $1,208 -$246 -16.9%
Arkansas $1,454 -$0 0.0%
California $1,658 $204 14.0%
Colorado $1,390 -$64 -4.4%
Connecticut $1,498 $44 3.0%
Delaware $1,648 $194 13.3%
Florida $1,822 $368 25.3%
Georgia $1,346 -$108 -7.4%
Hawaii $1,046 -$408 -28.1%
Idaho $986 -$468 -32.2%
Illinois $1,084 -$370 -25.4%
Indiana $1,098 -$356 -24.5%
Iowa $984 -$470 -32.3%
Kansas $1,384 -$70 -4.8%
Kentucky $1,986 $532 36.6%
Louisiana $2,156 $702 48.3%
Maine $898 -$556 -38.2%
Maryland $1,202 -$252 -17.3%
Massachusetts $1,166 -$288 -19.8%
Michigan $2,530 $1,076 74.0%
Minnesota $1,218 -$236 -16.2%
Mississippi $1,744 $290 19.9%
Missouri $1,292 -$162 -11.1%
Montana $1,564 $110 7.6%
Nebraska $1,150 -$304 -20.9%
Nevada $1,746 $292 20.1%
New Hampshire $1,048 -$406 -27.9%
New Jersey $1,628 $174 12.0%
New Mexico $1,290 -$164 -11.3%
New York $1,532 $78 5.4%
North Carolina $838 -$616 -42.4%
North Dakota $1,192 -$262 -18.0%
Ohio $1,006 -$448 -30.8%
Oklahoma $1,494 $40 2.8%
Oregon $1,332 -$122 -8.4%
Pennsylvania $1,390 -$64 -4.4%
Rhode Island $1,942 $488 33.6%
South Carolina $1,320 -$134 -9.2%
South Dakota $1,228 -$226 -15.5%
Tennessee $1,276 -$178 -12.2%
Texas $1,756 $302 20.8%
Utah $1,076 -$378 -26.0%
Vermont $996 -$458 -31.5%
Virginia $872 -$582 -40.0%
Washington $1,124 -$330 -22.7%
West Virginia $1,336 -$118 -8.1%
Wisconsin $1,008 -$446 -30.7%
Wyoming $1,300 -$154 -10.6%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $610 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Volkswagen Golf Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Golf 2.5 2-Dr Hatchback $1,398 $117
Volkswagen Golf 2.5 4-Dr Hatchback $1,396 $116
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,498 $125
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,480 $123

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen Golf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Golf $306 $600 $390 $1,454
2023 Volkswagen Golf $294 $596 $398 $1,446
2022 Volkswagen Golf $284 $582 $416 $1,440
2021 Volkswagen Golf $274 $558 $430 $1,420
2020 Volkswagen Golf $260 $538 $442 $1,398
2019 Volkswagen Golf $250 $500 $452 $1,360
2018 Volkswagen Golf $240 $470 $456 $1,324
2017 Volkswagen Golf $230 $422 $460 $1,270
2016 Volkswagen Golf $214 $388 $460 $1,220
2015 Volkswagen Golf $206 $364 $464 $1,192
2012 Volkswagen Golf $182 $286 $478 $1,104

Rates are averaged for all Volkswagen Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Volkswagen Golf Insurance

Saving money on insurance for a Volkswagen Golf requires avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a quick rundown of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $180 per year just by quoting early and online
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,710 more every year for car insurance
  • Increasing deductibles can save around $600 each year
  • Teenagers are charged the highest rates, as much as $450 per month including comprehensive and collision insurance

As you’ve learned from the above information, the model year and trim of your VW Golf impacts what you’ll pay for car insurance. Therefore, the price of insurance for a 2019 Volkswagen Golf R will be different than the costs for a 2020 Volkswagen Golf GTI. 

Whether you’re buying your Volkswagen Golf used or new, start comparing your best quotes by entering your ZIP code into our FREE tool below. 

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What are the safety ratings for the Volkswagen Golf?

Understanding the Volkswagen Golf safety ratings can help you discover what discounts you might qualify for, and what could be costing you more money. 

Check out the safety ratings for the 2020 Volkswagen Golf below. 

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Acceptable
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the 2020 VW Golf headlights received a rating of poor. Your VW Golf insurance costs will reflect these nearly perfect safety ratings. 

Believe it or not, the classic VW car has been in production since 1974. Why is VW Golf so popular? It has proven to be reliable, safe, and relatively inexpensive to fix and replace. To those wondering are Golfs cheap to insure, all of these statistics do lead to lower average car insurance rates. 

When it comes to the cheapest VW Golf to insure, it’s more about your driving demographics than the car itself. If you’re an experienced driver with a perfect driving record, you’ll receive the best quotes in your area.

Volkswagen Golf Compared Against other Vehicles in the Same Class

Comparing the Volkswagen Golf to similar vehicles can help you save money, especially if the Volkswagen Golf has a better loss ratio than other vehicles in its class. 

Officially, the Insurance Institute for Highway Safety classifies it as a small four-door car.

Check out other comparable small cars below.

The good news is that the VW Golf has substantially better than average comprehensive insurance loss ratios at -32 percent. The small car also has better than average personal injury loss ratios at -26 percent, as well as better than average medical payment and bodily injury loss ratios at -28 percent and -23 percent respectively.

You’re now an expert on Volkswagen Golf insurance costs. Only you can say what is the best Volkswagen Golf for your needs. If you find a Volkswagen Golf for sale that you’re interested in, look up the specific model year to see if it meets all of your criteria. 

When you’re ready to secure the best Volkswagen Gold insurance rates, just enter your ZIP code into our FREE quote comparison tool to start shopping. 

Rates by Driver Age

Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $5,402
20 $3,380
30 $1,522
40 $1,454
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,858
$250 $1,672
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,454
50/100 $1,558
100/300 $1,656
250/500 $1,909
100 CSL $1,597
300 CSL $1,812
500 CSL $1,968

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,722
20 $5,378
30 $3,234
40 $3,162
50 $3,016
60 $2,990

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $205

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $74
Online Quote $104
Total Discounts $628
Rate after discounts $826

Discounts are estimated and may not be available from every company or in every state.

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