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.

The average auto insurance rates for a Volkswagen Golf are $1,324 annually with full coverage. Comprehensive costs approximately $240, collision costs $470, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $2,884. 16-year-old drivers cost the most to insure at $5,102 a year or more.

Average premium for full coverage: $1,324

Policy rates by type of insurance:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $763
• Using higher $1,000 deductibles will save $162 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,324
• Buying pricier low deductibles for physical damage coverage will cost $1,638
• Drivers with multiple tickets or accidents could pay around $2,884 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $5,102 or more

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Insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. Volkswagen Golf insurance for high-risk drivers can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $480 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,790 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 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 Buy the Right Volkswagen Golf Insurance

Finding cheaper rates on Volkswagen Golf insurance requires being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick rundown of the information covered in the charts and tables above.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are the costliest to insure, as much as $425 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $475 each year
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,560 more per year than a safer driver
• Drivers who purchase an increased level of liability coverage will pay around $500 every year to increase from a 30/60 limit to higher 250/500 limits

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.