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. Comprehensive costs an estimated $294 a year, collision insurance costs $596, and liability costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs around $3,148. Teenage drivers cost the most to insure at up to $5,408 a year.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. 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 insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below shows average Volkswagen Golf insurance rates for other coverage scenarios.

• The best discount rate is $823
• Using higher $1,000 deductibles will save approximately $1,244 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,446
• Using low $100 deductibles for physical damage coverage increases the price to $1,842
• High-risk insureds who are prone to accidents and violations could pay up to $3,148
• Policy cost to insure a 16-year-old driver can cost as much as $5,408 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $600 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay 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 could be paying $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 a normal policy. View High Risk Driver Rates

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 Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

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 Shop for More Affordable Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct carriers, and also from several local insurance agents.

The following items are a summary of the data that was covered in the above illustrations.

• Drivers can save approximately $180 per year just by quoting early and online
• Insureds who want additional liability coverage will pay an extra $440 each year to increase from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, costing up to $451 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,700 more annually than a driver with a clean driving record

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.