1. Vehicles
  2. Volkswagen
  3. Golf
  4. 1991 Model Year

1991 Volkswagen Golf Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 27, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 1991 Volkswagen Golf are $912 a year for full coverage insurance. Comprehensive insurance costs an estimated $132 a year, collision insurance costs $180, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,962 or more. Teenage drivers receive the highest rates at up to $3,742 a year.

Annual premium for full coverage: $912

Rate estimates for 1991 Volkswagen Golf Insurance

Comprehensive $132
Collision $180
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1991 Volkswagen Golf models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $496 for just liability coverage to a high of $1,962 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $912
High Risk $1,962

View Chart as Image

1991 Volkswagen Golf insurance rates compared
Column chart showing 1991 Volkswagen Golf insurance prices range from $561 to $3,742 for full coverage

These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 1991 Volkswagen Golf Insurance

Searching Companies

Cutting costs on car insurance is hard for consumers new to comparing rates online. There are so many companies to choose from that it can turn into a challenge to find the best price.

It’s a great practice to price shop coverage periodically because rates trend upward over time. Just because you found the best deal on Golf insurance a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you’re about to learn the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. This information will tell you the best way to quote coverages. Although consumers need to learn how insurance companies price insurance differently.

Fast and Easy Insurance Coverage Quotes

There are a variety of methods to compare 1991 Volkswagen Golf insurance coverage prices but one way is less time-consuming than others. You could spend the better part of a day driving to insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies are enrolled in a marketplace that enables customers to submit their information once, and every company then gives them pricing. This prevents consumers from doing quotation requests for each company you want a rate for. To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to comparing rates this way is that consumers can’t choose which companies you will receive quotes from. So if you prefer to pick specific insurance companies to request quotes from, we have a page of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverages for every quote you compare. If your comparisons have higher or lower deductibles it will be very difficult to make an equal comparison. Having just a slight variation in coverage limits may result in a large different in cost. And when quoting insurance coverage, remember that comparing a large number of companies will improve the odds of getting the best rates.

How to save on Volkswagen Golf insurance

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. Some trigger automatically when you quote, but some may not be applied and must be manually applied before you get the savings.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Accident Free – Claim-free drivers can earn big discounts when compared with drivers who are more careless.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break on your policy on Golf insurance.
  • Sign Online – Some insurance companies give back up to $50 just for signing your application over the internet.
  • Payment Method – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Golf insurance depending on your company.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurers who offer auto insurance discounts, click this link.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight whether or not you may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • When do I need to add a new car to my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to my business vehicle?
  • Is my Volkswagen Golf covered if I use it for business?
  • Does my 1991 Volkswagen Golf qualify for pleasure use?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Volkswagen Golf.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, fire damage, damage from flooding, vandalism and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision insurance will pay to fix damage to your Golf resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, scraping a guard rail, damaging your car on a curb, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability coverage – This coverage provides protection from damage that occurs to other people or property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, attorney fees and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, nursing services, funeral costs and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1991 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,443
Los Angeles, CA $1,557
Philadelphia, PA $1,218
Jacksonville, FL $1,325
Phoenix, AZ $1,061
Chicago, IL $1,224
Houston, TX $1,430
Seattle, WA $890
Columbus, OH $765
Indianapolis, IN $777

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1991 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $3,742
20 $2,094
30 $924
40 $912
50 $840
60 $822

Full coverage, $500 deductibles

Rates by Deductible

1991 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,048
$250 $984
$500 $912
$1,000 $840

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $1,000
100/300 $1,111
250/500 $1,398
100 CSL $1,045
300 CSL $1,288
500 CSL $1,465

Full coverage, driver age 40

Rates for High Risk Drivers

1991 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $5,256
20 $3,336
30 $1,972
40 $1,962
50 $1,880
60 $1,860

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 $121

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $56
Paid in Full/EFT $32
Advance Quote $39
Online Quote $60
Total Discounts $351
Rate after discounts $561

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

Find companies with the cheapest rates in your area

1991 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $826
Alaska $702
Arizona $758
Arkansas $912
California $1,038
Colorado $872
Connecticut $938
Delaware $1,032
Florida $1,142
Georgia $842
Hawaii $654
Idaho $618
Illinois $680
Indiana $688
Iowa $616
Kansas $868
Kentucky $1,244
Louisiana $1,352
Maine $562
Maryland $754
Massachusetts $732
Michigan $1,586
Minnesota $762
Mississippi $1,092
Missouri $810
Montana $980
Nebraska $720
Nevada $1,094
New Hampshire $658
New Jersey $1,020
New Mexico $808
New York $962
North Carolina $526
North Dakota $746
Ohio $632
Oklahoma $938
Oregon $836
Pennsylvania $870
Rhode Island $1,218
South Carolina $826
South Dakota $772
Tennessee $800
Texas $1,100
Utah $676
Vermont $624
Virginia $548
Washington $706
West Virginia $836
Wisconsin $632
Wyoming $814

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles