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 around $294 a year, collision insurance costs $596, and liability coverage is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $3,148. Teens receive the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,446

Rate estimates for individual coverage type:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist 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 large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.

These examples highlight why it is important to get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down average Volkswagen Golf insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $823
• Choosing higher $1,000 deductibles can save about $1,244 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,446
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,842
• Drivers with serious driving violations could pay at least $3,148
• The cost to insure a teenage driver can be $5,408 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $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 at least $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 131% more than the average 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 Missouri, New Hampshire, and Vermont, or have to pay at least $2,070 on average in Michigan, New York, and Louisiana.

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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 Cheap Volkswagen Golf Insurance

Saving money on auto insurance takes having a decent driving record, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Make time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief summary of the primary concepts that were touched on in this article.

• You may be able to save up to $180 per year just by quoting early and online
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,700 more every year than a driver with a clean driving record
• Increasing deductibles could save as much as $600 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $451 per month if the policy includes full coverage

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.