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 $1,440 annually for full coverage. Comprehensive costs around $284 a year, collision insurance costs $582, and liability costs around $416. A liability-only policy costs as low as $474 a year, and high-risk insurance costs around $3,138. 16-year-old drivers cost the most to insure at up to $5,418 a year.

Average premium for full coverage: $1,440

Policy rates for type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $818
• Using higher $1,000 deductibles will save about $1,244 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,440
• Buying low $100 deductibles for physical damage coverage will cost $1,824
• High-risk insureds with multiple tickets or accidents could pay at least $3,138
• Policy cost with full coverage for a 16-year-old driver can be $5,418 or more

View Chart as Image

Car insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $580 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,060 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy the Cheapest Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the material that was raised in the charts and tables above.

• Insureds who may need an increased level of liability coverage will pay around $460 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, costing up to $452 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents pay an average of $1,700 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $575 each year

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.