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.

Estimated insurance rates for a Volkswagen Golf are $1,446 a year for full coverage. Comprehensive insurance costs approximately $294 a year, collision costs $596, and liability costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing $3,148 or more. Teenage drivers pay the most at $5,408 a year or more.

Average premium for full coverage: $1,446

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Golf trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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

More Rate Information

The chart below shows estimated Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The best discount rate is $823
• Using higher $1,000 deductibles will save $1,244 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,446
• Using low $100 deductibles for physical damage coverage will cost an extra $396 every year
• Drivers who are prone to accidents and violations could pay around $3,148 or more
• An auto insurance policy for full coverage for a teen driver can cost $5,408 or more

View Chart as Image

Auto insurance prices for a Volkswagen Golf also have a wide range based on your driving characteristics, the trim level of your Golf, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $600 every year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Find Low Cost Volkswagen Golf Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having good credit, not filing small claims, and not having any coverage lapses. Spend time shopping around at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a review of the primary concepts that were touched on above.

• Drivers can save around $180 per year simply by quoting early and online
• Higher risk drivers who have several accidents or serious violations may pay on average $1,700 more per year to insure a Volkswagen Golf
• Increasing policy deductibles can save around $600 each year
• Drivers under the age of 20 have the highest car insurance prices, as much as $451 per month if they have 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.