1. Vehicles
  2. Volkswagen
  3. Golf
  4. 2011 Model Year

2011 Volkswagen Golf Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Apr 27, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2011 Volkswagen Golf are $1,192 a year including full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $364, and liability insurance costs $464. Buying a liability-only policy costs as little as $514 a year, and high-risk insurance costs $2,590 or more. Teen drivers receive the highest rates at up to $4,676 a year.

Annual premium for full coverage: $1,192

Rate estimates for 2011 Volkswagen Golf Insurance

Comprehensive $206
Collision $364
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $514 for just liability coverage to the much higher price of $2,590 for high-risk insurance.

Liability Only $514
Full Coverage $1,192
High Risk $2,590

View Chart as Image

2011 Volkswagen Golf insurance rates compared
Column chart showing 2011 Volkswagen Golf insurance prices range from $699 to $4,676 for full coverage

These differences highlight why everyone should compare rates using their specific location and risk profile, rather than relying on 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 2011 Volkswagen Golf Insurance

Searching Companies

Want lower car insurance rates? Drivers have lots of choices when trying to find low-cost Volkswagen Golf insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates. There is a better way to find car insurance online and you need to know the best way to compare rates for your Volkswagen and locate the cheapest rates from local insurance agents and online providers.

Consumers should take time to take a look at other company’s rates on a regular basis since insurance rates are variable and change quite frequently. Even if you think you had the best deal for Golf coverage two years ago a different company probably has better rates today. Ignore everything you know about car insurance because we’re going to demonstrate one of the quickest ways to properly buy coverages while reducing your premium.

If you have a current car insurance policy or need new coverage, you can follow these tips to reduce the price you pay and still get good coverage. The purpose of this post is to help educate you on the best way to quote coverages and some money-saving tips. Drivers only need an understanding of the proper methods to compare prices on the web.

Verify you’re getting all your discounts

Companies don’t necessarily list every available discount in an easy-to-find place, so we researched some of the best known and also the lesser-known auto insurance savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your policy for Golf coverage.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing online.
  • Accident Free – Good drivers with no accidents pay much less when compared to bad drivers.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Own a Home – Owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Low Mileage – Fewer annual miles on your Volkswagen could be rewarded with a substantially lower rate.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

A partial list of companies that may have these discounts may include but are not limited to:

Check with each insurance company how you can save money. Discounts might not be offered in your area.

Compare the Market for Auto Insurance

All the larger auto insurance companies quote coverage prices on their websites. Getting online rates is quite easy as you simply enter your required coverages as requested by the quote form. After you submit the form the company’s rating system makes automated requests for reports for credit and driving violations and returns a price.

Quoting online makes comparing rates easy, but having to visit multiple sites and type in the same information can be a bit repetitive. But it is imperative to compare as many rates as possible if you want to find a better rate.

A quicker way to find better auto insurance pricing utilizes a single form that obtains quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes online shopping much easier. After sending your information, it is rated with multiple companies and you can pick your choice of the returned quotes. If a lower price is quoted, you can click and sign and buy the new coverage. This process just takes a couple of minutes and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you complete the form with your coverages as close as possible to your current policy. This way, you are getting a rate comparison for exact coverage.

When should I talk to an agent?

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine if your situation would benefit from professional advice.

  • Can I make deliveries for my home business?
  • Should I buy more coverage than the required minimum liability coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage?
  • Is motorclub coverage worth it?
  • Is a fancy paint job covered?
  • Should I sign the liability waiver when renting a car?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Parts of your car insurance policy

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like prosthetic devices, rehabilitation expenses, dental work and surgery. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays for damage to your Golf resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2011 Volkswagen Golf.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance – This coverage protects you from damages or injuries you inflict on people or other property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things such as medical services, structural damage, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, vandalism and a broken windshield. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

The best insurance company isn’t always the cheapest

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

People change insurance companies for a variety of reasons including denial of a claim, delays in responding to claim requests, unfair underwriting practices or even lack of trust in their agent. No matter why you want to switch, switching auto insurance companies can be easy and end up saving you some money.

We just covered some good ideas how to reduce 2011 Volkswagen Golf insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

To read more, take a look at the following helpful articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,884
Los Angeles, CA $2,040
Philadelphia, PA $1,593
Jacksonville, FL $1,731
Phoenix, AZ $1,389
Chicago, IL $1,598
Houston, TX $1,872
Seattle, WA $1,162
Columbus, OH $995
Indianapolis, IN $1,015

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $4,676
20 $2,760
30 $1,228
40 $1,192
50 $1,094
60 $1,072

Full coverage, $500 deductibles

Rates by Deductible

2011 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,444
$250 $1,326
$500 $1,192
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,192
50/100 $1,285
100/300 $1,401
250/500 $1,702
100 CSL $1,331
300 CSL $1,586
500 CSL $1,772

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $6,632
20 $4,404
30 $2,626
40 $2,590
50 $2,476
60 $2,454

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 $166

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $81
5-yr Claim Free $77
Paid in Full/EFT $49
Advance Quote $56
Online Quote $83
Total Discounts $493
Rate after discounts $699

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

Find companies with the cheapest rates in your area

2011 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $1,078
Alaska $914
Arizona $992
Arkansas $1,192
California $1,360
Colorado $1,142
Connecticut $1,228
Delaware $1,352
Florida $1,492
Georgia $1,102
Hawaii $856
Idaho $806
Illinois $888
Indiana $898
Iowa $806
Kansas $1,134
Kentucky $1,628
Louisiana $1,766
Maine $736
Maryland $984
Massachusetts $956
Michigan $2,074
Minnesota $998
Mississippi $1,430
Missouri $1,058
Montana $1,280
Nebraska $942
Nevada $1,430
New Hampshire $860
New Jersey $1,334
New Mexico $1,058
New York $1,256
North Carolina $690
North Dakota $978
Ohio $822
Oklahoma $1,224
Oregon $1,094
Pennsylvania $1,138
Rhode Island $1,592
South Carolina $1,082
South Dakota $1,006
Tennessee $1,046
Texas $1,440
Utah $884
Vermont $818
Virginia $714
Washington $922
West Virginia $1,094
Wisconsin $828
Wyoming $1,064

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles