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2002 Volkswagen Golf Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 27, 2020

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Average insurance rates for a 2002 Volkswagen Golf are $932 a year for full coverage insurance. Comprehensive costs an estimated $138 each year, collision costs $190, and liability coverage costs around $446. Buying a liability-only policy costs as low as $500 a year, with high-risk insurance costing around $2,004. Teen drivers receive the highest rates at $3,808 a year or more.

Annual premium for full coverage: $932

Rate estimates for 2002 Volkswagen Golf Insurance

Comprehensive $138
Collision $190
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Volkswagen Golf models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $500 for just liability coverage to a high rate of $2,004 for a high risk driver.

Liability Only $500
Full Coverage $932
High Risk $2,004

View Chart as Image

2002 Volkswagen Golf insurance rates compared
Column chart showing 2002 Volkswagen Golf insurance prices range from $570 to $3,808 for full coverage

These differences illustrate why all drivers should compare prices for a targeted area and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2002 Volkswagen Golf Insurance

Searching Companies

Are you a victim of an underperforming, overpriced insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have multiple car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more challenging to find the best rates for your vehicles.

Locating cheaper insurance coverage is simple if you know the tricks. In a nutshell, every driver who has to buy insurance will more than likely be able to save money. Nevertheless, car owners should learn how the larger insurance companies market on the web because it can help you find the best coverage.

Don’t overlook these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied when you quote, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Multi-policy Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Golf insurance than less cautious drivers.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up digitally online.
  • Early Signing – A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

For a list of providers with discount car insurance rates, follow this link.

How to Get Insurance Coverage

Comparing insurance coverage rates is a ton of work if you don’t know the most efficient way. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each company then returns a price quote based on the submitted data. This prevents consumers from doing form submissions for each company.

To find out what other companies charge for 2002 Volkswagen Golf insurance click here (opens in new window).

The single downside to using this type of form is that you can’t choose the providers to get pricing from. So if you prefer to choose specific insurance companies to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing exactly the same quote information on every quote you get. If you compare mixed coverages then you won’t be able to determine which rate is truly the best. Quoting even small variations in coverages may cause a big price difference. Just remember that having more price comparisons will improve the odds of getting the best offered rates.

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Is my situation unique?

When it comes to buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover whether you may require specific advice.

  • Is business property covered if stolen from my car?
  • Do I benefit by insuring my home with the same company?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when delivering products for my home-based business?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I crash into my own garage door?
  • Are my tools covered if they get stolen from my vehicle?
  • When should I not file a claim?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Auto insurance 101

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, doctor visits, ambulance fees, nursing services and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from flooding, damage from a tornado or hurricane and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This covers damage to your Golf from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are identical to your policy’s liability coverage.

Coverage for liability

This will cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

More quotes mean more savings

In this article, we presented many ideas to compare 2002 Volkswagen Golf insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a small mutual company. Smaller companies often have lower prices on specific markets than their larger competitors like GEICO and State Farm.

Low-cost insurance can be bought on the web in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Other information

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Rates by U.S. City

2002 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,470
Los Angeles, CA $1,593
Philadelphia, PA $1,243
Jacksonville, FL $1,353
Phoenix, AZ $1,081
Chicago, IL $1,246
Houston, TX $1,461
Seattle, WA $907
Columbus, OH $777
Indianapolis, IN $791

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $3,808
20 $2,140
30 $944
40 $932
50 $856
60 $838

Full coverage, $500 deductibles

Rates by Deductible

2002 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,072
$250 $1,006
$500 $932
$1,000 $856

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $932
50/100 $1,021
100/300 $1,133
250/500 $1,423
100 CSL $1,066
300 CSL $1,311
500 CSL $1,490

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $5,352
20 $3,406
30 $2,016
40 $2,004
50 $1,918
60 $1,900

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.

SR-22 Surcharge $124

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $58
Paid in Full/EFT $33
Advance Quote $40
Online Quote $62
Total Discounts $362
Rate after discounts $570

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2002 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $842
Alaska $714
Arizona $772
Arkansas $932
California $1,062
Colorado $888
Connecticut $958
Delaware $1,056
Florida $1,166
Georgia $858
Hawaii $668
Idaho $628
Illinois $692
Indiana $700
Iowa $628
Kansas $886
Kentucky $1,272
Louisiana $1,380
Maine $574
Maryland $768
Massachusetts $748
Michigan $1,618
Minnesota $778
Mississippi $1,116
Missouri $826
Montana $1,002
Nebraska $734
Nevada $1,116
New Hampshire $670
New Jersey $1,044
New Mexico $826
New York $980
North Carolina $536
North Dakota $762
Ohio $642
Oklahoma $956
Oregon $854
Pennsylvania $888
Rhode Island $1,242
South Carolina $844
South Dakota $786
Tennessee $816
Texas $1,124
Utah $690
Vermont $640
Virginia $558
Washington $720
West Virginia $854
Wisconsin $644
Wyoming $830

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