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1993 Volkswagen Golf Insurance Rates

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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 ...

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UPDATED: Apr 27, 2020

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Average insurance rates for a 1993 Volkswagen Golf are $912 a year including full coverage. Comprehensive insurance costs approximately $132, collision costs $180, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,962 or more. Teenage drivers receive the highest rates at $3,742 a year or more.

Annual premium for full coverage: $912

Rate estimates for 1993 Volkswagen Golf Insurance

Comprehensive $132
Collision $180
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1993 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 go from as low as $496 for the bare minimum liability coverage to the much higher price 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

1993 Volkswagen Golf insurance rates compared
Column chart showing 1993 Volkswagen Golf insurance prices range from $561 to $3,742 for full coverage

These differences highlight why everyone should compare prices using their specific location and risk profile, rather than using 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 1993 Volkswagen Golf Insurance

Searching Companies

Searching for lower insurance coverage rates for your Volkswagen Golf? Perplexed by the dozens of insurance coverage choices? Many other consumers are too. There are so many options that it can be a real challenge to find better rates.

You should make it a habit to shop coverage around quite often because prices change regularly. Just because you had the best rates for Golf coverage two years ago you may be paying too much now. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some good information on how to slash your insurance coverage rates.

Compare Quotes for Auto Insurance

When shopping for auto insurance there are multiple ways of comparing rates from local auto insurance companies. One of the best ways to compare 1993 Volkswagen Golf insurance prices consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  • The most efficient way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating boring form submissions for every auto insurance company. One simple form gets you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  • A different way to get comparison quotes is to take the time to go to each company’s website and fill out their own quote form. For example, we’ll assume you want comparison quotes from Nationwide, Liberty Mutual and Progressive. To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but be sure to compare the exact same coverage limits with every price quote. If you use differing limits it’s not possible to decipher which rate is best. Slightly different insurance coverages may result in large price differences. And when quoting auto insurance, remember that obtaining a wide range of quotes gives you a better chance of getting a better price.

Are you getting all your discounts?

Car insurance companies do not list all their discounts in an easy-to-find place, so we researched both the well known as well as the least known insurance savings.

  • Resident Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for Golf coverage with certain companies.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Claim Free – Claim-free drivers pay less as compared to frequent claim filers.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.

Drivers should understand that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of providers with the best insurance discounts, follow this link.

Free Auto Insurance Comparison

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

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Tailor your coverage to you

When it comes to buying the best car insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • How can I find cheaper teen driver insurance?
  • Why am I required to buy liability insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Will my insurance pay for OEM parts?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need special endorsements for business use of my vehicle?
  • Do I benefit by insuring my home with the same company?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like dental work, hospital visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your Golf resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, rolling your car, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as emergency aid, pain and suffering, loss of income and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, hail damage, fire damage, vandalism and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Volkswagen Golf.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

More quotes mean more savings

Drivers change insurance companies for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, extreme rates for teen drivers and even policy non-renewal. No matter why you want to switch, finding the right car insurance provider is not as hard as you think.

We covered some good ideas how you can reduce 1993 Volkswagen Golf insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the smallest insurance companies.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There have been many situations where an accident victim reduced collision coverage only to regret that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Additional information is available below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1993 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

1993 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

1993 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

1993 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

1993 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

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