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.
U.S. average insurance prices for a Volkswagen Golf are $1,478 every 12 months with full coverage. Comprehensive insurance costs approximately $322 each year, collision insurance costs $626, and liability costs $372. A policy with just liability insurance costs as little as $438 a year, and coverage for high-risk drivers costs $3,206 or more. Teen drivers pay the highest rates at up to $5,438 a year.
Average premium for full coverage: $1,478
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Golf models.
Price Range from Low to High
For an average driver, Volkswagen Golf insurance prices range from the cheapest price of $438 for minimum levels of liability insurance to a high rate of $3,206 for a high-risk insurance policy.
Geographic Price Range
Your location can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above demonstrate why all drivers should compare rates using their specific location and their own driving history, instead of using 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 details average Volkswagen Golf insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $840
- Drivers who choose higher $1,000 deductibles will pay $216 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,478
- Choosing low deductibles for comprehensive and collision insurance costs an extra $418 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,206
- The price to insure a teen driver can cost $5,438 a year
Insurance prices for a Volkswagen Golf are also quite variable based on deductibles and policy limits, your driving record, and the model of your Golf.
Choosing high deductibles could save up to $640 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 136% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,000 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,334 | -$144 | -9.7% |
Alaska | $1,134 | -$344 | -23.3% |
Arizona | $1,224 | -$254 | -17.2% |
Arkansas | $1,478 | -$0 | 0.0% |
California | $1,682 | $204 | 13.8% |
Colorado | $1,412 | -$66 | -4.5% |
Connecticut | $1,518 | $40 | 2.7% |
Delaware | $1,674 | $196 | 13.3% |
Florida | $1,850 | $372 | 25.2% |
Georgia | $1,366 | -$112 | -7.6% |
Hawaii | $1,060 | -$418 | -28.3% |
Idaho | $1,000 | -$478 | -32.3% |
Illinois | $1,102 | -$376 | -25.4% |
Indiana | $1,112 | -$366 | -24.8% |
Iowa | $998 | -$480 | -32.5% |
Kansas | $1,406 | -$72 | -4.9% |
Kentucky | $2,014 | $536 | 36.3% |
Louisiana | $2,188 | $710 | 48.0% |
Maine | $912 | -$566 | -38.3% |
Maryland | $1,220 | -$258 | -17.5% |
Massachusetts | $1,184 | -$294 | -19.9% |
Michigan | $2,566 | $1,088 | 73.6% |
Minnesota | $1,238 | -$240 | -16.2% |
Mississippi | $1,770 | $292 | 19.8% |
Missouri | $1,310 | -$168 | -11.4% |
Montana | $1,588 | $110 | 7.4% |
Nebraska | $1,166 | -$312 | -21.1% |
Nevada | $1,772 | $294 | 19.9% |
New Hampshire | $1,064 | -$414 | -28.0% |
New Jersey | $1,652 | $174 | 11.8% |
New Mexico | $1,308 | -$170 | -11.5% |
New York | $1,556 | $78 | 5.3% |
North Carolina | $852 | -$626 | -42.4% |
North Dakota | $1,210 | -$268 | -18.1% |
Ohio | $1,020 | -$458 | -31.0% |
Oklahoma | $1,518 | $40 | 2.7% |
Oregon | $1,352 | -$126 | -8.5% |
Pennsylvania | $1,410 | -$68 | -4.6% |
Rhode Island | $1,970 | $492 | 33.3% |
South Carolina | $1,340 | -$138 | -9.3% |
South Dakota | $1,248 | -$230 | -15.6% |
Tennessee | $1,296 | -$182 | -12.3% |
Texas | $1,780 | $302 | 20.4% |
Utah | $1,094 | -$384 | -26.0% |
Vermont | $1,012 | -$466 | -31.5% |
Virginia | $884 | -$594 | -40.2% |
Washington | $1,142 | -$336 | -22.7% |
West Virginia | $1,354 | -$124 | -8.4% |
Wisconsin | $1,022 | -$456 | -30.9% |
Wyoming | $1,316 | -$162 | -11.0% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Volkswagen Golf 2.5 2-Dr Hatchback | $1,418 | $118 |
Volkswagen Golf 2.5 4-Dr Hatchback | $1,414 | $118 |
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,522 | $127 |
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,504 | $125 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Volkswagen Golf | $322 | $626 | $372 | $1,478 |
2023 Volkswagen Golf | $306 | $600 | $390 | $1,454 |
2022 Volkswagen Golf | $294 | $596 | $398 | $1,446 |
2021 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
2020 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
2019 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
2018 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
2017 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
2016 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
2015 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
2012 Volkswagen Golf | $186 | $316 | $474 | $1,134 |
2004 Volkswagen Golf | $132 | $180 | $442 | $912 |
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 Shop for the Best Volkswagen Golf Insurance
Getting lower rates on car insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief recap of the car insurance concepts covered in the above illustrations.
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,730 more per year than a low-risk driver
- You may be able to save around $180 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $625 each year
- Policyholders who purchase more liability protection will pay about $410 every year to go from a low limit to a 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.
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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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,438 |
20 | $3,428 |
30 | $1,550 |
40 | $1,478 |
50 | $1,350 |
60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,896 |
$250 | $1,702 |
$500 | $1,478 |
$1,000 | $1,262 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,478 |
50/100 | $1,578 |
100/300 | $1,671 |
250/500 | $1,913 |
100 CSL | $1,616 |
300 CSL | $1,820 |
500 CSL | $1,969 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,778 |
20 | $5,450 |
30 | $3,282 |
40 | $3,206 |
50 | $3,058 |
60 | $3,030 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $79 |
Multi-vehicle | $77 |
Homeowner | $21 |
5-yr Accident Free | $113 |
5-yr Claim Free | $96 |
Paid in Full/EFT | $71 |
Advance Quote | $75 |
Online Quote | $106 |
Total Discounts | $638 |
Discounts are estimated and may not be available from every company or in every state.
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