Volkswagen Golf Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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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.
Average insurance rates for a Volkswagen Golf are $1,446 a year with full coverage. Comprehensive insurance costs approximately $294, collision costs $596, and liability coverage costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing $3,148 or more. 16-year-old drivers receive the highest rates at $5,408 a year or more.
Average premium for full coverage: $1,446
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Golf models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $460 for basic liability insurance to the much higher price of $3,148 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.
The example below illustrates how your location can change auto insurance prices.
These examples demonstrate why everyone should compare prices using their specific location and risk profile, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details estimated Volkswagen Golf insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $823
- Using higher $1,000 deductibles will save $202 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,446
- Buying pricier low deductibles for physical damage coverage will cost an extra $396 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,148 or more
- The cost for full coverage for a teenage driver for full coverage can cost $5,408 or more
Car insurance rates for a Volkswagen Golf can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or at least $1,950 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,308 | -$138 | -9.5% |
| Alaska | $1,110 | -$336 | -23.2% |
| Arizona | $1,200 | -$246 | -17.0% |
| Arkansas | $1,446 | -$0 | 0.0% |
| California | $1,650 | $204 | 14.1% |
| Colorado | $1,382 | -$64 | -4.4% |
| Connecticut | $1,488 | $42 | 2.9% |
| Delaware | $1,636 | $190 | 13.1% |
| Florida | $1,810 | $364 | 25.2% |
| Georgia | $1,336 | -$110 | -7.6% |
| Hawaii | $1,040 | -$406 | -28.1% |
| Idaho | $980 | -$466 | -32.2% |
| Illinois | $1,080 | -$366 | -25.3% |
| Indiana | $1,090 | -$356 | -24.6% |
| Iowa | $976 | -$470 | -32.5% |
| Kansas | $1,376 | -$70 | -4.8% |
| Kentucky | $1,976 | $530 | 36.7% |
| Louisiana | $2,142 | $696 | 48.1% |
| Maine | $894 | -$552 | -38.2% |
| Maryland | $1,192 | -$254 | -17.6% |
| Massachusetts | $1,158 | -$288 | -19.9% |
| Michigan | $2,514 | $1,068 | 73.9% |
| Minnesota | $1,210 | -$236 | -16.3% |
| Mississippi | $1,734 | $288 | 19.9% |
| Missouri | $1,286 | -$160 | -11.1% |
| Montana | $1,554 | $108 | 7.5% |
| Nebraska | $1,142 | -$304 | -21.0% |
| Nevada | $1,734 | $288 | 19.9% |
| New Hampshire | $1,044 | -$402 | -27.8% |
| New Jersey | $1,618 | $172 | 11.9% |
| New Mexico | $1,282 | -$164 | -11.3% |
| New York | $1,526 | $80 | 5.5% |
| North Carolina | $836 | -$610 | -42.2% |
| North Dakota | $1,184 | -$262 | -18.1% |
| Ohio | $1,000 | -$446 | -30.8% |
| Oklahoma | $1,488 | $42 | 2.9% |
| Oregon | $1,326 | -$120 | -8.3% |
| Pennsylvania | $1,380 | -$66 | -4.6% |
| Rhode Island | $1,930 | $484 | 33.5% |
| South Carolina | $1,312 | -$134 | -9.3% |
| South Dakota | $1,220 | -$226 | -15.6% |
| Tennessee | $1,268 | -$178 | -12.3% |
| Texas | $1,744 | $298 | 20.6% |
| Utah | $1,072 | -$374 | -25.9% |
| Vermont | $992 | -$454 | -31.4% |
| Virginia | $866 | -$580 | -40.1% |
| Washington | $1,120 | -$326 | -22.5% |
| West Virginia | $1,326 | -$120 | -8.3% |
| Wisconsin | $1,002 | -$444 | -30.7% |
| Wyoming | $1,288 | -$158 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $600 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra per year, depending on your age. Volkswagen Golf insurance for high-risk drivers can be around 44% to 131% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Golf 2.5 2-Dr Hatchback | $1,392 | $116 |
| Volkswagen Golf 2.5 4-Dr Hatchback | $1,386 | $116 |
| Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,488 | $124 |
| Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,472 | $123 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf | $306 | $600 | $390 | $1,454 |
| 2023 Volkswagen Golf | $294 | $596 | $398 | $1,446 |
| 2022 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
| 2021 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
| 2020 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
| 2019 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
| 2018 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
| 2017 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
| 2016 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
| 2015 Volkswagen Golf | $206 | $364 | $464 | $1,192 |
| 2012 Volkswagen Golf | $182 | $286 | $478 | $1,104 |
Rates are averaged for all Volkswagen Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Volkswagen Golf Insurance
Saving money on auto insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every time your policy renews by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
Below you'll find a review of the information illustrated above.
- You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
- Youthful drivers pay the highest auto insurance rates, with premiums as much as $451 per month if full coverage is included
- Increasing deductibles can save around $600 each year
- Drivers who have several accidents or serious violations pay on average $1,700 more per year than a low-risk driver
- Consumers who purchase more liability protection will pay around $440 every year to increase from a minimum limit to 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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,408 |
| 20 | $3,372 |
| 30 | $1,514 |
| 40 | $1,446 |
| 50 | $1,322 |
| 60 | $1,298 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,842 |
| $250 | $1,658 |
| $500 | $1,446 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,446 |
| 50/100 | $1,552 |
| 100/300 | $1,651 |
| 250/500 | $1,910 |
| 100 CSL | $1,591 |
| 300 CSL | $1,810 |
| 500 CSL | $1,970 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,726 |
| 20 | $5,364 |
| 30 | $3,222 |
| 40 | $3,148 |
| 50 | $3,006 |
| 60 | $2,982 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $623 |
Discounts are estimated and may not be available from every company or in every state.
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