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 $1,446 every 12 months including full coverage. Comprehensive costs an estimated $294 each year, collision costs $596, and liability is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing around $3,148. Teenage drivers receive the highest rates at $5,408 a year or more.

Average premium for full coverage: $1,446

Rate estimates broken down by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Golf models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

These examples highlight why all drivers should get quotes for a targeted area and their own driving history, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $823
• Choosing higher $1,000 deductibles can save approximately $202 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,446
• Using low deductibles for comp and collision coverage increases the price to $1,842
• Unlucky drivers who are prone to accidents and violations could pay up to $3,148 or more
• The cost to insure a teen driver can cost as much as $5,408 each year

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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 $600 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $358 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 $1,300 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. Insurance for high-risk drivers ranges as much as 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 prices. 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 $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.

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 More Affordable Volkswagen Golf Insurance

Saving money on car insurance takes avoiding accidents and violations, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a summary of the information covered in the above illustrations.

• You may be able to save approximately $180 per year simply by quoting online in advance
• Teenagers are charged the highest rates, as much as $451 per month if they have full coverage
• Increasing deductibles could save as much as $600 each year
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,700 more annually for car insurance
• Policyholders who want higher liability limits will pay an extra $440 per year to raise limits from a minimum 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. 

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.