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2010 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 2010 Volkswagen Golf are $1,134 a year for full coverage. Comprehensive insurance costs approximately $186 a year, collision insurance costs $316, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,458 or more. Teen drivers receive the highest rates at up to $4,500 a year.

Annual premium for full coverage: $1,134

Rate estimates for 2010 Volkswagen Golf Insurance

Comprehensive $186
Collision $316
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 driver in their 40's, prices range range from as low as $522 for only liability insurance to a high of $2,458 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,134
High Risk $2,458

View Chart as Image

2010 Volkswagen Golf insurance rates compared
Column chart showing 2010 Volkswagen Golf insurance prices range from $670 to $4,500 for full coverage

These differences show why it is important for drivers to compare prices using their specific location and risk profile, instead of using price averages.

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 2010 Volkswagen Golf Insurance

Searching Companies

Searching for the cheapest car insurance rates for your Volkswagen Golf? Are you tired of trying to scrape together enough money to insure your Volkswagen every month? Your situation is no different than millions of other consumers. Insurance companies such as GEICO and Progressive promote their brand names with catchy ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Smart consumers take time to price shop coverage quite often because rates tend to go up over time. Even if you got the best rates on Golf insurance on your last policy other companies may now be cheaper. There is a lot of bad advice regarding car insurance online but we’re going to give you the easiest ways to quit paying high car insurance rates.

Don’t miss these discounts

Companies don’t always publicize all their discounts in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known ways to save on insurance. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Homeowners Savings – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums on Golf insurance.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up on their website.
  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates when buying insurance on Golf insurance.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Golf insurance with certain companies.
  • Drive Less and Save – Keeping the miles down on your Volkswagen could qualify for lower rates on the low mileage vehicles.

It’s important to understand that some credits don’t apply the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, you’re out of luck.

Companies that may offer these money-saving discounts include:

Check with each insurance company which discounts you may be entitled to. Some discounts may not be available in your area.

Free Auto Insurance Quotes

Comparing auto insurance rates can be a daunting task if you don’t understand the best way to get rate quotes. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

All the larger companies belong to an insurance system that enables customers to submit their information once, and each company then gives them pricing based on that data. This system prevents you from having to do quote requests for every auto insurance company. To find out what other companies charge for 2010 Volkswagen Golf insurance click here to open in new window.

The one downside to using this type of system is that you can’t choose the companies to receive prices from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using the exact same deductibles and coverage limits on every quote. If the quotes have differing limits then you won’t be able to truly determine the lowest rate.

Free Auto Insurance Comparison

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

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When might I need help?

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • Can I make deliveries for my home business?
  • Can my teen drive my company car?
  • Do I pay less for low miles?
  • Why am I required to buy liability insurance?
  • Am I covered when driving in Canada or Mexico?
  • What happens if I owe more than my 2010 Volkswagen Golf is worth?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Collision protection

This coverage will pay to fix damage to your Golf resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, crashing into a building, hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills like hospital visits, dental work, funeral costs, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and doesn’t 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 commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as medical services, funeral expenses, pain and suffering, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, hail damage, fire damage, hitting a bird and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop. Compare. Save.

In this article, we presented a lot of information how to save on 2010 Volkswagen Golf insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a small local company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Lower-priced insurance can be bought both online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

For more information, feel free to visit the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2010 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,791
Los Angeles, CA $1,941
Philadelphia, PA $1,515
Jacksonville, FL $1,647
Phoenix, AZ $1,319
Chicago, IL $1,519
Houston, TX $1,778
Seattle, WA $1,106
Columbus, OH $949
Indianapolis, IN $963

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $4,500
20 $2,618
30 $1,162
40 $1,134
50 $1,040
60 $1,020

Full coverage, $500 deductibles

Rates by Deductible

2010 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,354
$250 $1,252
$500 $1,134
$1,000 $1,020

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,134
50/100 $1,229
100/300 $1,347
250/500 $1,655
100 CSL $1,276
300 CSL $1,537
500 CSL $1,727

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $6,368
20 $4,180
30 $2,488
40 $2,458
50 $2,350
60 $2,328

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 $157

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $53
Online Quote $78
Total Discounts $464
Rate after discounts $670

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

Find companies with the cheapest rates in your area

2010 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $1,024
Alaska $870
Arizona $942
Arkansas $1,134
California $1,294
Colorado $1,082
Connecticut $1,166
Delaware $1,284
Florida $1,420
Georgia $1,044
Hawaii $814
Idaho $766
Illinois $844
Indiana $852
Iowa $764
Kansas $1,080
Kentucky $1,548
Louisiana $1,676
Maine $700
Maryland $934
Massachusetts $908
Michigan $1,970
Minnesota $948
Mississippi $1,358
Missouri $1,006
Montana $1,216
Nebraska $894
Nevada $1,360
New Hampshire $816
New Jersey $1,266
New Mexico $1,004
New York $1,194
North Carolina $654
North Dakota $930
Ohio $784
Oklahoma $1,166
Oregon $1,038
Pennsylvania $1,082
Rhode Island $1,512
South Carolina $1,028
South Dakota $958
Tennessee $994
Texas $1,368
Utah $840
Vermont $778
Virginia $678
Washington $878
West Virginia $1,038
Wisconsin $786
Wyoming $1,010

Free Auto Insurance Comparison

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