Volkswagen Golf Insurance Rates
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UPDATED: Jun 6, 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.
Estimated insurance prices for a Volkswagen Golf are $1,324 every 12 months for full coverage. Comprehensive insurance costs approximately $240, collision costs $470, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,884 or more. Teens pay the most at $5,102 a year or more.
Average premium for full coverage: $1,324
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Golf models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volkswagen Golf go from the cheapest price of $508 for liability-only coverage to the much higher price of $2,884 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why everyone should compare prices using their specific location and their own driving history, rather than relying on averaged prices.
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 Charts and Tables
The chart below shows estimated Volkswagen Golf insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $763
- Using higher $1,000 deductibles will save $162 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,324
- Selecting pricier low deductibles for physical damage coverage costs an extra $314 a year
- Drivers with serious driving violations could pay around $2,884 or more
- An auto insurance policy to insure a teen driver for full coverage can cost $5,102 or more
Auto insurance prices for a Volkswagen Golf also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Golf.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Volkswagen Golf insurance for high-risk drivers can be anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,890 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,196 | -$128 | -9.7% |
Alaska | $1,016 | -$308 | -23.3% |
Arizona | $1,098 | -$226 | -17.1% |
Arkansas | $1,324 | -$0 | 0.0% |
California | $1,508 | $184 | 13.9% |
Colorado | $1,264 | -$60 | -4.5% |
Connecticut | $1,360 | $36 | 2.7% |
Delaware | $1,498 | $174 | 13.1% |
Florida | $1,658 | $334 | 25.2% |
Georgia | $1,222 | -$102 | -7.7% |
Hawaii | $952 | -$372 | -28.1% |
Idaho | $894 | -$430 | -32.5% |
Illinois | $986 | -$338 | -25.5% |
Indiana | $996 | -$328 | -24.8% |
Iowa | $894 | -$430 | -32.5% |
Kansas | $1,258 | -$66 | -5.0% |
Kentucky | $1,806 | $482 | 36.4% |
Louisiana | $1,958 | $634 | 47.9% |
Maine | $818 | -$506 | -38.2% |
Maryland | $1,092 | -$232 | -17.5% |
Massachusetts | $1,060 | -$264 | -19.9% |
Michigan | $2,300 | $976 | 73.7% |
Minnesota | $1,108 | -$216 | -16.3% |
Mississippi | $1,586 | $262 | 19.8% |
Missouri | $1,174 | -$150 | -11.3% |
Montana | $1,424 | $100 | 7.6% |
Nebraska | $1,042 | -$282 | -21.3% |
Nevada | $1,586 | $262 | 19.8% |
New Hampshire | $952 | -$372 | -28.1% |
New Jersey | $1,480 | $156 | 11.8% |
New Mexico | $1,172 | -$152 | -11.5% |
New York | $1,394 | $70 | 5.3% |
North Carolina | $762 | -$562 | -42.4% |
North Dakota | $1,082 | -$242 | -18.3% |
Ohio | $914 | -$410 | -31.0% |
Oklahoma | $1,360 | $36 | 2.7% |
Oregon | $1,212 | -$112 | -8.5% |
Pennsylvania | $1,262 | -$62 | -4.7% |
Rhode Island | $1,766 | $442 | 33.4% |
South Carolina | $1,198 | -$126 | -9.5% |
South Dakota | $1,116 | -$208 | -15.7% |
Tennessee | $1,160 | -$164 | -12.4% |
Texas | $1,594 | $270 | 20.4% |
Utah | $982 | -$342 | -25.8% |
Vermont | $908 | -$416 | -31.4% |
Virginia | $794 | -$530 | -40.0% |
Washington | $1,022 | -$302 | -22.8% |
West Virginia | $1,214 | -$110 | -8.3% |
Wisconsin | $918 | -$406 | -30.7% |
Wyoming | $1,180 | -$144 | -10.9% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Volkswagen Golf 2.5 2-Dr Hatchback | $1,278 | $107 |
Volkswagen Golf 2.5 4-Dr Hatchback | $1,278 | $107 |
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,358 | $113 |
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,344 | $112 |
Rates assume 2017 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 |
---|---|---|---|---|
2017 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
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 Affordable Volkswagen Golf Insurance
Finding better rates on Volkswagen Golf insurance requires being a good driver, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a brief review of the data raised in the charts and tables above.
- Drivers who purchase an increased level of liability coverage will pay approximately $500 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $475 each year
- Drivers age 16 to 20 have the highest car insurance prices, as much as $425 per month if comprehensive and collision insurance is included
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 | $5,102 |
20 | $3,082 |
30 | $1,368 |
40 | $1,324 |
50 | $1,212 |
60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,638 |
$250 | $1,490 |
$500 | $1,324 |
$1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,324 |
50/100 | $1,435 |
100/300 | $1,549 |
250/500 | $1,846 |
100 CSL | $1,481 |
300 CSL | $1,732 |
500 CSL | $1,914 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,264 |
20 | $4,914 |
30 | $2,934 |
40 | $2,884 |
50 | $2,756 |
60 | $2,732 |
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 | $70 |
Multi-vehicle | $72 |
Homeowner | $21 |
5-yr Accident Free | $96 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $58 |
Advance Quote | $65 |
Online Quote | $93 |
Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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