Volkswagen Golf Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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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.
Average insurance rates for a Volkswagen Golf are $1,440 a year for full coverage insurance. Comprehensive insurance costs an estimated $284, collision costs $582, and liability costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing $3,138 or more. 16-year-old drivers receive the highest rates at $5,418 a year or more.
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 medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Golf models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $474 for just liability insurance to the much higher price of $3,138 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
These examples illustrate why everyone should compare rates for a targeted area and risk profile, instead of using rate averages.
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.
More Rate Details
The chart below illustrates estimated Volkswagen Golf insurance rates for other coverage scenarios.
- The best full coverage rate is $818
- Drivers who choose higher $1,000 deductibles will pay approximately $196 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,440
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $384 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,138 or more
- The cost for full coverage for a teen driver for full coverage can cost as much as $5,418 a year
Car insurance rates for a Volkswagen Golf can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,400 a year. View Rates by Age
Where you live makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,950 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,302 | -$138 | -9.6% |
| Alaska | $1,106 | -$334 | -23.2% |
| Arizona | $1,196 | -$244 | -16.9% |
| Arkansas | $1,440 | -$0 | 0.0% |
| California | $1,640 | $200 | 13.9% |
| Colorado | $1,378 | -$62 | -4.3% |
| Connecticut | $1,482 | $42 | 2.9% |
| Delaware | $1,630 | $190 | 13.2% |
| Florida | $1,802 | $362 | 25.1% |
| Georgia | $1,330 | -$110 | -7.6% |
| Hawaii | $1,034 | -$406 | -28.2% |
| Idaho | $974 | -$466 | -32.4% |
| Illinois | $1,074 | -$366 | -25.4% |
| Indiana | $1,084 | -$356 | -24.7% |
| Iowa | $972 | -$468 | -32.5% |
| Kansas | $1,370 | -$70 | -4.9% |
| Kentucky | $1,966 | $526 | 36.5% |
| Louisiana | $2,132 | $692 | 48.1% |
| Maine | $888 | -$552 | -38.3% |
| Maryland | $1,188 | -$252 | -17.5% |
| Massachusetts | $1,152 | -$288 | -20.0% |
| Michigan | $2,502 | $1,062 | 73.8% |
| Minnesota | $1,204 | -$236 | -16.4% |
| Mississippi | $1,724 | $284 | 19.7% |
| Missouri | $1,278 | -$162 | -11.3% |
| Montana | $1,548 | $108 | 7.5% |
| Nebraska | $1,136 | -$304 | -21.1% |
| Nevada | $1,726 | $286 | 19.9% |
| New Hampshire | $1,038 | -$402 | -27.9% |
| New Jersey | $1,610 | $170 | 11.8% |
| New Mexico | $1,276 | -$164 | -11.4% |
| New York | $1,518 | $78 | 5.4% |
| North Carolina | $830 | -$610 | -42.4% |
| North Dakota | $1,178 | -$262 | -18.2% |
| Ohio | $996 | -$444 | -30.8% |
| Oklahoma | $1,478 | $38 | 2.6% |
| Oregon | $1,318 | -$122 | -8.5% |
| Pennsylvania | $1,372 | -$68 | -4.7% |
| Rhode Island | $1,920 | $480 | 33.3% |
| South Carolina | $1,304 | -$136 | -9.4% |
| South Dakota | $1,216 | -$224 | -15.6% |
| Tennessee | $1,260 | -$180 | -12.5% |
| Texas | $1,736 | $296 | 20.6% |
| Utah | $1,066 | -$374 | -26.0% |
| Vermont | $986 | -$454 | -31.5% |
| Virginia | $862 | -$578 | -40.1% |
| Washington | $1,114 | -$326 | -22.6% |
| West Virginia | $1,320 | -$120 | -8.3% |
| Wisconsin | $996 | -$444 | -30.8% |
| Wyoming | $1,284 | -$156 | -10.8% |
Opting for high physical damage deductibles could save up to $580 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,400 extra per year, depending on your age. Volkswagen Golf insurance for high-risk drivers can cost as much as 44% to 131% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Golf 2.5 2-Dr Hatchback | $1,386 | $116 |
| Volkswagen Golf 2.5 4-Dr Hatchback | $1,382 | $115 |
| Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,480 | $123 |
| Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,464 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf | $294 | $596 | $398 | $1,446 |
| 2023 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
| 2022 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
| 2021 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
| 2020 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
| 2019 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
| 2018 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
| 2017 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
| 2016 Volkswagen Golf | $206 | $364 | $464 | $1,192 |
| 2015 Volkswagen Golf | $202 | $340 | $474 | $1,174 |
| 2012 Volkswagen Golf | $170 | $262 | $474 | $1,064 |
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 Find Cheaper Volkswagen Golf Insurance
Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The points below are a condensed summary of the data that was presented in the illustrations above.
- It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
- Policyholders who want increased liability limits will pay around $460 annually to go from a minimum limit to 250/500 limits
- Drivers under the age of 20 have the highest car insurance rates, costing up to $452 per month if full coverage is included
- Higher risk drivers with multiple at-fault accidents pay on average $1,700 more annually to insure a Volkswagen Golf
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 | $5,418 |
| 20 | $3,358 |
| 30 | $1,502 |
| 40 | $1,440 |
| 50 | $1,318 |
| 60 | $1,294 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,824 |
| $250 | $1,646 |
| $500 | $1,440 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,440 |
| 50/100 | $1,547 |
| 100/300 | $1,651 |
| 250/500 | $1,922 |
| 100 CSL | $1,589 |
| 300 CSL | $1,818 |
| 500 CSL | $1,984 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,738 |
| 20 | $5,350 |
| 30 | $3,208 |
| 40 | $3,138 |
| 50 | $2,996 |
| 60 | $2,970 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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