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2006 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 2006 Volkswagen Golf are $1,030 a year for full coverage. Comprehensive costs on average $160 each year, collision insurance costs $238, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,222. Teenage drivers receive the highest rates at up to $4,156 a year.

Annual premium for full coverage: $1,030

Rate estimates for 2006 Volkswagen Golf Insurance

Comprehensive $160
Collision $238
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 40-year-old driver, prices range range from as low as $522 for basic liability insurance to a high rate of $2,222 for high-risk insurance.

Liability Only $522
Full Coverage $1,030
High Risk $2,222

View Chart as Image

2006 Volkswagen Golf insurance rates compared
Column chart showing 2006 Volkswagen Golf insurance prices range from $621 to $4,156 for full coverage

These differences show why all drivers should compare prices based on a specific location 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 2006 Volkswagen Golf Insurance

Searching Companies

Overwhelmed by the sheer number of car insurance choices? You have a lot of company. People have so many choices that it can easily become a big hassle to find lower rates.

If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Pricing cheaper insurance coverage is easy if you know what you’re doing. But car owners benefit from understanding how the larger insurance companies price online insurance and take advantage of how the system works.

Why your Volkswagen Golf insurance rates may be high

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

  • Add-on coverages can add up – There are many additional coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Older drivers pay less – Teenage drivers tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • Being married is a good thing – Having a wife or husband can actually save you money on your auto insurance policy. Having a spouse usually means you are more responsible and statistics show married drivers get in fewer accidents.
  • Bad driving skills means higher rates – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Only having one moving violation may increase your cost by as much as thirty percent. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Keep rates low by being claim-free – Car insurance companies award cheaper rates to people who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you quote, but some may not be applied and must be inquired about before being credited.

  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums on Golf coverage.
  • Homeowners Savings – Simply owning a home can save you money because owning a home is proof that your finances are in order.
  • New Car Discount – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Bundle and Save – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Organization Discounts – Participating in certain professional organizations could trigger savings on your policy on Golf coverage.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of insurers with the best auto insurance discounts, click this link.

Free Auto Insurance Comparison

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When might I need an agent?

When choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is motorclub coverage worth it?
  • Am I covered if I drive in a foreign country?
  • What are the best liability limits?
  • Can I get a multi-policy discount?
  • What if I owe more than I can insure my car for?
  • Where can I find high-risk insurance?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, hail damage and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Golf.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, dental work, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage 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 then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle, rolling your car and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage can cover damage that occurs to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, court costs, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

A tidy conclusion

Cheap 2006 Volkswagen Golf insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. Too many times, an accident victim reduced liability coverage limits and learned later they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at the best price.

We’ve covered many tips how you can save on insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest premiums are with an unexpected company.

To read more, feel free to browse these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2006 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,626
Los Angeles, CA $1,758
Philadelphia, PA $1,375
Jacksonville, FL $1,494
Phoenix, AZ $1,196
Chicago, IL $1,375
Houston, TX $1,612
Seattle, WA $1,005
Columbus, OH $859
Indianapolis, IN $875

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $4,156
20 $2,366
30 $1,048
40 $1,030
50 $944
60 $926

Full coverage, $500 deductibles

Rates by Deductible

2006 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,122
$500 $1,030
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,125
100/300 $1,243
250/500 $1,551
100 CSL $1,172
300 CSL $1,433
500 CSL $1,623

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $5,860
20 $3,776
30 $2,242
40 $2,222
50 $2,128
60 $2,106

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 $140

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $70
Total Discounts $409
Rate after discounts $621

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

Find companies with the cheapest rates in your area

2006 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $930
Alaska $788
Arizona $854
Arkansas $1,030
California $1,172
Colorado $982
Connecticut $1,058
Delaware $1,164
Florida $1,288
Georgia $950
Hawaii $738
Idaho $694
Illinois $764
Indiana $774
Iowa $694
Kansas $980
Kentucky $1,404
Louisiana $1,522
Maine $634
Maryland $848
Massachusetts $824
Michigan $1,788
Minnesota $860
Mississippi $1,232
Missouri $912
Montana $1,106
Nebraska $812
Nevada $1,234
New Hampshire $740
New Jersey $1,150
New Mexico $912
New York $1,084
North Carolina $592
North Dakota $842
Ohio $710
Oklahoma $1,058
Oregon $942
Pennsylvania $982
Rhode Island $1,370
South Carolina $932
South Dakota $868
Tennessee $902
Texas $1,240
Utah $762
Vermont $706
Virginia $616
Washington $798
West Virginia $942
Wisconsin $712
Wyoming $918

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