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2003 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 2003 Volkswagen Golf are $958 a year including full coverage. Comprehensive costs on average $150, collision costs $198, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,058. Teen drivers receive the highest rates at $3,886 a year or more.

Annual premium for full coverage: $958

Rate estimates for 2003 Volkswagen Golf Insurance

Comprehensive $150
Collision $198
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 the average driver, prices range go from as low as $504 for only liability insurance to the much higher price of $2,058 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $958
High Risk $2,058

View Chart as Image

2003 Volkswagen Golf insurance rates compared
Column chart showing 2003 Volkswagen Golf insurance prices range from $585 to $3,886 for full coverage

These differences highlight why everyone should compare rates based on a specific location and risk profile, instead of 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 2003 Volkswagen Golf Insurance

Searching Companies

No one in their right mind enjoys paying for car insurance, especially when they are paying too much. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurer and get the definite lowest rate

If you are insured now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Finding the best rates is not rocket science. Vehicle owners just need to understand how to compare prices over the internet.

How to Compare Insurance Coverage Rates

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get prices on the web. Obtaining pricing doesn’t take a lot of time as you simply enter the amount of coverage you want as detailed in the form. After you submit the form their system gets reports for credit and driving violations and generates a price based on many factors. Quoting online streamlines rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find the best price possible.

A less time-consuming method to compare rates utilizes a single form to obtain quotes from many companies. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable. After your information is entered, it gets priced and you can choose any one of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It only takes a few minutes and could lower your rates considerably.

To quickly find out how much you’re overpaying now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter the insurance coverages as close as possible to your current policy. Doing this assures you will be getting a price comparison for similar insurance coverage.

Switch companies and save? Really?

Consumers can’t get away from ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings after switching to their company.

How does each company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a profitable customer might be profiled as between 25 and 40, a clean driving record, and has great credit. Any driver who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t qualify for this ideal profile must pay a higher premium which leads to business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why insurance companies can confidently make those claims.

This illustrates why you should compare many company’s rates. It is impossible to predict which auto insurance company will give you the biggest savings on Volkswagen Golf insurance.

Why your Volkswagen Golf insurance rates may be high

It’s important that you understand the rating factors that come into play when calculating your auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.

The list below includes a partial list of the pieces used by your company to calculate premiums.

  • Where you reside plays a part – Being located in a small town has it’s advantages when it comes to auto insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Fewer people translates into fewer accidents.
  • Having a spouse can save you money – Being married can actually save you money on your policy. Having a spouse is viewed as being more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Credit scores impact auto insurance rates – Credit history is a huge factor in calculating your auto insurance rates. If your credit is not that good, you could be paying less to insure your 2003 Volkswagen Golf by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Lower deductibles cost more – Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more expense you have to pay, the lower your rates will be on Golf insurance.
  • Careful drivers pay lower rates – Only having one citation can increase rates by twenty percent. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Your job and insurance rates – Occupations such as doctors, social workers and accountants tend to pay higher rates than average attributed to high stress and long work hours. On the flip side, occupations such as actors, athletes and retirees have the lowest average rates on Golf insurance.

More discounts equal less premium

Car insurance can cost a lot, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be manually applied before they will apply. If you don’t get every credit possible, you are paying more than you should be.

  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • No Claims – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Homeowners Pay Less – Owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Resident Student – Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

Consumers should know that most credits do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

Insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not be offered in every state.

Free Auto Insurance Comparison

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

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It’s not one size fits all

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Am I getting all the discounts available?
  • Do I need replacement cost coverage?
  • Will filing a claim cost me more?
  • What is an SR-22 filing?
  • Am I better off with higher deductibles on my 2003 Volkswagen Golf?
  • Should I drop comprehensive coverage on older vehicles?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, rock chips in glass, vandalism and theft. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for things like X-ray expenses, doctor visits, nursing services, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Liability

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like bail bonds, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, crashing into a building, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Money doesn’t grow on trees

We just covered many ideas to reduce 2003 Volkswagen Golf insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

Cheap insurance is available on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

For more information, feel free to browse the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,515
Los Angeles, CA $1,635
Philadelphia, PA $1,280
Jacksonville, FL $1,390
Phoenix, AZ $1,112
Chicago, IL $1,285
Houston, TX $1,503
Seattle, WA $935
Columbus, OH $803
Indianapolis, IN $814

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $3,886
20 $2,194
30 $972
40 $958
50 $880
60 $862

Full coverage, $500 deductibles

Rates by Deductible

2003 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,108
$250 $1,040
$500 $958
$1,000 $878

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $958
50/100 $1,048
100/300 $1,161
250/500 $1,455
100 CSL $1,094
300 CSL $1,342
500 CSL $1,523

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $5,466
20 $3,494
30 $2,072
40 $2,058
50 $1,970
60 $1,952

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 $127

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $41
Online Quote $64
Total Discounts $373
Rate after discounts $585

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

Find companies with the cheapest rates in your area

2003 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $868
Alaska $734
Arizona $794
Arkansas $958
California $1,090
Colorado $914
Connecticut $986
Delaware $1,084
Florida $1,198
Georgia $884
Hawaii $688
Idaho $648
Illinois $714
Indiana $720
Iowa $646
Kansas $910
Kentucky $1,308
Louisiana $1,418
Maine $590
Maryland $790
Massachusetts $766
Michigan $1,666
Minnesota $802
Mississippi $1,148
Missouri $848
Montana $1,028
Nebraska $756
Nevada $1,150
New Hampshire $692
New Jersey $1,072
New Mexico $848
New York $1,010
North Carolina $552
North Dakota $784
Ohio $664
Oklahoma $984
Oregon $878
Pennsylvania $914
Rhode Island $1,278
South Carolina $868
South Dakota $808
Tennessee $838
Texas $1,156
Utah $710
Vermont $656
Virginia $574
Washington $742
West Virginia $878
Wisconsin $664
Wyoming $854

Free Auto Insurance Comparison

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

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