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 $1,446 a year with full coverage. Comprehensive insurance costs an estimated $294 a year, collision insurance costs $596, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $3,148 or more. Teenage drivers pay the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,446

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Golf trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The ranges above demonstrate why it is important to compare rates for a targeted area and risk profile, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $823
• Drivers who choose higher $1,000 deductibles will pay approximately $1,244 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,446
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $396 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,148
• The price for full coverage for a teen driver can cost as much as $5,408 a year

View Chart as Image

Auto insurance prices for a Volkswagen Golf are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $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 $1,040 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $600 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

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 Cheaper Volkswagen Golf Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a condensed summary of the car insurance concepts touched on above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,700 more annually to insure a Volkswagen Golf
• You may be able to save approximately $180 per year just by quoting early and online
• Increasing physical damage deductibles can save around $600 each year
• Policyholders who want increased liability limits will pay an extra $440 every year to go from a low limit to 250/500 limits

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.