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2005 Volkswagen Golf Insurance Rates

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

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: Nov 16, 2021

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Average insurance rates for a 2005 Volkswagen Golf are $994 a year for full coverage insurance. Comprehensive insurance costs around $154 each year, collision insurance costs $214, and liability insurance costs $468. Buying a liability-only policy costs as little as $518 a year, and high-risk insurance costs $2,144 or more. Teenage drivers receive the highest rates at up to $4,036 a year.

Annual premium for full coverage: $994

Rate estimates for 2005 Volkswagen Golf Insurance

Comprehensive $154
Collision $214
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 range from as low as $518 for basic liability insurance to a high rate of $2,144 for a high risk driver.

Liability Only $518
Full Coverage $994
High Risk $2,144

View Chart as Image

2005 Volkswagen Golf insurance rates compared
Column chart showing 2005 Volkswagen Golf insurance prices range from $602 to $4,036 for full coverage

These differences illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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 2005 Volkswagen Golf Insurance

Searching Companies

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Insurance Coverage Prices Online

Getting better 2005 Volkswagen Golf insurance coverage pricing is not a difficult process. Consumers just need to spend a little time comparing rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating a different quote to each individual insurance coverage company. One form submission will get you price quotes instantly.
  • A different way to compare rate quotes consists of visiting each company website to complete a price quote. For examples sake, let’s say you want rates from Progressive, Esurance and Liberty Mutual. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.For a list of links to insurance companies in your area, click here.
  • The least efficient way to compare rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the trained guidance of a local agent. However, consumers can obtain prices from the web but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just compare identical coverages with every price quote. If you use different limits and deductibles on each one it will be impossible to make an equal comparison.

Don’t pay full price with these discounts

Companies that sell car insurance do not advertise all their discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Organization Discounts – Belonging to a professional or civic organization is a good way to get lower rates on your policy for Golf insurance.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Golf insurance with select insurance companies.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
  • Homeowners Savings – Owning a home can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, companies wouldn’t make money that way.

Car insurance companies who might offer some of the above discounts are:

  • State Farm
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

Before buying, ask every prospective company how you can save money. Savings might not apply in your state.

Free Auto Insurance Comparison

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Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Exactly who is provided coverage by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why am I required to buy liability insurance?
  • Why do I only qualify for high-risk insurance?
  • What if I don’t agree with a claim settlement offer?
  • Which is better, split liability limits or combined limits?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverages for a 2005 Volkswagen Golf

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses such as nursing services, doctor visits and surgery. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability – This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things such as structural damage, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Collision – Collision insurance will pay to fix damage to your Golf caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, rolling your car, hitting a parking meter, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2005 Volkswagen Golf.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, hail damage, fire damage and a broken windshield. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Spend less. Save more.

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability coverage limits only to find out that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

In this article, we covered a lot of techniques to lower your 2005 Volkswagen Golf insurance rates. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the most savings is with the least-expected company. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

More detailed insurance coverage information is located in these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,572
Los Angeles, CA $1,701
Philadelphia, PA $1,330
Jacksonville, FL $1,445
Phoenix, AZ $1,154
Chicago, IL $1,336
Houston, TX $1,557
Seattle, WA $970
Columbus, OH $832
Indianapolis, IN $845

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $4,036
20 $2,282
30 $1,012
40 $994
50 $914
60 $896

Full coverage, $500 deductibles

Rates by Deductible

2005 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,154
$250 $1,080
$500 $994
$1,000 $910

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $994
50/100 $1,088
100/300 $1,205
250/500 $1,509
100 CSL $1,134
300 CSL $1,392
500 CSL $1,579

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $5,678
20 $3,638
30 $2,162
40 $2,144
50 $2,052
60 $2,030

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 $134

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $62
Paid in Full/EFT $36
Advance Quote $44
Online Quote $67
Total Discounts $392
Rate after discounts $602

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

Find companies with the cheapest rates in your area

2005 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $900
Alaska $764
Arizona $824
Arkansas $994
California $1,134
Colorado $952
Connecticut $1,024
Delaware $1,126
Florida $1,246
Georgia $916
Hawaii $714
Idaho $672
Illinois $742
Indiana $748
Iowa $670
Kansas $946
Kentucky $1,356
Louisiana $1,472
Maine $616
Maryland $820
Massachusetts $796
Michigan $1,728
Minnesota $832
Mississippi $1,194
Missouri $884
Montana $1,070
Nebraska $786
Nevada $1,194
New Hampshire $718
New Jersey $1,112
New Mexico $880
New York $1,048
North Carolina $572
North Dakota $814
Ohio $688
Oklahoma $1,020
Oregon $912
Pennsylvania $950
Rhode Island $1,328
South Carolina $902
South Dakota $840
Tennessee $872
Texas $1,198
Utah $736
Vermont $682
Virginia $596
Washington $770
West Virginia $912
Wisconsin $688
Wyoming $888

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