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.

Average insurance prices for a Volkswagen Golf are $1,440 every 12 months for full coverage insurance. Comprehensive insurance costs around $284, collision costs $582, and liability costs $416. A policy with just liability insurance costs as little as $474 a year, with coverage for high-risk drivers costing $3,138 or more. 16-year-old drivers receive the highest rates at $5,418 a year or more.

Average premium for full coverage: $1,440

Rate estimates for individual coverage type:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Golf models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities.

The example below illustrates the difference location can make on auto insurance rates.

These examples illustrate why everyone should compare rates for a specific zip code and their own driving history, instead of using rate averages.

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

Rate Comparisons

The chart below illustrates estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $818
• Drivers who choose higher $1,000 deductibles will pay about $196 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,440
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $384 every year
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,138 or more
• The cost to insure a teen driver for full coverage can be $5,418 a year

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Insurance rates for a Volkswagen Golf can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles could save up to $580 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 additional per year, depending on your age. Volkswagen Golf insurance for high-risk drivers can cost as much as 44% to 131% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.

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With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and rates can be significantly different.

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 the Best Volkswagen Golf Insurance

Saving money on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the coverage data touched on in this article.

• It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $575 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $452 per month if full coverage is included
• Higher risk drivers who tend to receive serious violations may pay on average $1,700 more every year to buy Volkswagen Golf insurance

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.