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 auto insurance rates for a Volkswagen Golf are $1,440 annually for full coverage. Comprehensive costs an estimated $284 a year, collision costs $582, and liability insurance costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing around $3,138. Teen drivers receive the highest rates at $5,418 a year or more.

Average premium for full coverage: $1,440

Rate estimates broken down by individual coverage type:

Prices are based on $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples show why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

The chart below shows estimated Volkswagen Golf insurance rates for other coverage scenarios.

• The lowest rate with discounts is $818
• Drivers who choose higher $1,000 deductibles will pay approximately $1,244 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,440
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,824
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,138 or more
• The cost with full coverage for a teen driver can cost as much as $5,418 a year

View Chart as Image

Car insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your driver profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $580 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,060 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, so rate quotes can be significantly different between companies.

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 Buy Affordable Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance not only requires having a good driving record, but also having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief review of the material that was covered above.

• Drivers who want increased levels of liability coverage will pay about $460 each year to go from a minimum limit to higher 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, costing as high as $452 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,700 more annually to buy Volkswagen Golf insurance
• Increasing deductibles could save up to $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.