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.

Average insurance prices for a Volkswagen Golf are $1,440 every 12 months including full coverage. Comprehensive insurance costs an estimated $284 a year, collision insurance costs $582, and liability insurance is estimated at $416. A liability-only policy costs approximately $474 a year, and high-risk insurance costs $3,138 or more. Teenage drivers receive the highest rates at up to $5,418 a year.

Average premium for full coverage: $1,440

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

These examples highlight why it is important to get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down average Volkswagen Golf insurance rates for other coverage scenarios.

• The best discount rate is $818
• Choosing higher $1,000 deductibles can save approximately $1,244 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,440
• Using low $100 deductibles for comp and collision coverage costs an extra $384 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,138
• The cost to insure a teen driver can cost as much as $5,418 each year

View Chart as Image

Insurance rates for a Volkswagen Golf can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $580 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Volkswagen Golf insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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 Shop for Cheaper Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance takes being a good driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save approximately $180 per year just by quoting early and online
• Drivers who want an increased level of liability coverage will pay an extra $460 per year to raise limits from a minimum limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, as much as $452 per month if they have full coverage
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,700 more annually than a safer driver

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.