Volkswagen Golf Insurance Rates

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.

U.S. average insurance rates for a Volkswagen Golf are $1,454 a year for full coverage insurance. Comprehensive costs on average $306, collision insurance costs $600, and liability is $390. A policy with just liability insurance costs around $452 a year, and coverage for high-risk drivers costs around $3,162. Teenage drivers pay the highest rates at up to $5,402 a year.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Golf models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The example below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why everyone should compare rates quotes based on a specific location, instead of using average rates.

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

More Rate Details

The chart below illustrates average Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The best discount rate is $826
• Raising to $1,000 deductibles will save around $204 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,454
• Using pricier low deductibles bumps up the cost to $1,858
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,162
• The price that insures a teen driver for full coverage may cost $5,402

View Chart as Image

Insurance prices for a Volkswagen Golf are also quite variable based on the model of your Golf, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Volkswagen Golf insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Volkswagen Golf insurance prices. A middle-age driver might find prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $610 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Volkswagen Golf Insurance

Getting lower rates on car insurance consists of being a good driver, having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare prices every time your policy renews by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a review of the information presented in the illustrations above.

• It is possible to save as much as $180 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 pay the highest prices, as much as $450 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $600 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,710 more each year than a safer driver
• Policyholders who require an increased level of liability coverage will pay an extra $430 annually to raise from a low limit to the 250/500 level

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. 

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.

• Acura ILX
• Ford Focus
• Mazda 3

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.