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.

U.S. average insurance rates for a Volkswagen Golf are $1,440 a year including full coverage. Comprehensive costs approximately $284 a year, collision insurance costs $582, and liability costs $416. Buying just liability costs as little as $474 a year, and insurance for high-risk drivers costs around $3,138. Teens pay the highest rates at up to $5,418 a year.

Average premium for full coverage: $1,440

Price estimates by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Golf trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $818
• Drivers who choose higher $1,000 deductibles will pay $1,244 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,440
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,824
• Drivers with serious driving violations could pay around $3,138
• The price that insures a 16-year-old driver can cost $5,418 a year

View Chart as Image

Insurance prices for a Volkswagen Golf are also quite variable based on the trim level of your Golf, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $580 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

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 Find Cheap Volkswagen Golf Insurance

Getting lower rates on insurance for a Volkswagen Golf not only requires being a good driver, but also having a good credit score, being claim-free, and consideration of higher deductibles. Compare rates every couple of years by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief summary of the material that was covered above.

• Insureds who purchase an increased level of liability coverage will pay approximately $460 per year to go from a low limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, possibly costing $452 a month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations will likely pay on average $1,700 more per year than a safer driver
• Increasing physical damage deductibles can save approximately $575 each year

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.