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 insurance prices for a Volkswagen Golf are $1,446 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $294, collision costs $596, and liability insurance is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $3,148 or more. Teens cost the most to insure at $5,408 a year or more.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Volkswagen Golf insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $823
• Raising to $1,000 deductibles will save approximately $202 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,446
• Selecting pricier low deductibles costs an extra $396 a year
• Higher-risk drivers with serious driving violations could pay up to $3,148 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $5,408

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,700 to $2,400 extra every year, depending on your age. Volkswagen Golf insurance for high-risk drivers is expensive and can cost anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Volkswagen Golf insurance rates. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, so rate quotes will be varied.

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 Shop for Affordable Volkswagen Golf Insurance

Finding cheaper rates on Volkswagen Golf insurance consists of being a good driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief review of the data covered in the charts and tables above.

• Drivers who want an increased level of liability coverage will pay approximately $440 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $451 each month if the policy includes 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.