Volkswagen Golf Insurance Rates
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UPDATED: Apr 3, 2024
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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.
The average auto insurance rates for a Volkswagen Golf are $1,446 annually for full coverage insurance. Comprehensive insurance costs around $294 each year, collision costs $596, and liability costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing $3,148 or more. Teen drivers cost the most to insure at $5,408 a year or more.
Average premium for full coverage: $1,446
Policy rates for type of insurance:
Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Golf models.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Golf insurance rates go from as cheap as $460 for liability-only coverage to a high rate of $3,148 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $823
- Drivers who choose higher $1,000 deductibles will pay about $202 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,446
- Choosing low deductibles for comprehensive and collision insurance costs an additional $396 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,148 or more
- Policy cost with full coverage for a teen driver can be $5,408 a year
Auto insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $600 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,950 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,308 | -$138 | -9.5% |
| Alaska | $1,110 | -$336 | -23.2% |
| Arizona | $1,200 | -$246 | -17.0% |
| Arkansas | $1,446 | -$0 | 0.0% |
| California | $1,650 | $204 | 14.1% |
| Colorado | $1,382 | -$64 | -4.4% |
| Connecticut | $1,488 | $42 | 2.9% |
| Delaware | $1,636 | $190 | 13.1% |
| Florida | $1,810 | $364 | 25.2% |
| Georgia | $1,336 | -$110 | -7.6% |
| Hawaii | $1,040 | -$406 | -28.1% |
| Idaho | $980 | -$466 | -32.2% |
| Illinois | $1,080 | -$366 | -25.3% |
| Indiana | $1,090 | -$356 | -24.6% |
| Iowa | $976 | -$470 | -32.5% |
| Kansas | $1,376 | -$70 | -4.8% |
| Kentucky | $1,976 | $530 | 36.7% |
| Louisiana | $2,142 | $696 | 48.1% |
| Maine | $894 | -$552 | -38.2% |
| Maryland | $1,192 | -$254 | -17.6% |
| Massachusetts | $1,158 | -$288 | -19.9% |
| Michigan | $2,514 | $1,068 | 73.9% |
| Minnesota | $1,210 | -$236 | -16.3% |
| Mississippi | $1,734 | $288 | 19.9% |
| Missouri | $1,286 | -$160 | -11.1% |
| Montana | $1,554 | $108 | 7.5% |
| Nebraska | $1,142 | -$304 | -21.0% |
| Nevada | $1,734 | $288 | 19.9% |
| New Hampshire | $1,044 | -$402 | -27.8% |
| New Jersey | $1,618 | $172 | 11.9% |
| New Mexico | $1,282 | -$164 | -11.3% |
| New York | $1,526 | $80 | 5.5% |
| North Carolina | $836 | -$610 | -42.2% |
| North Dakota | $1,184 | -$262 | -18.1% |
| Ohio | $1,000 | -$446 | -30.8% |
| Oklahoma | $1,488 | $42 | 2.9% |
| Oregon | $1,326 | -$120 | -8.3% |
| Pennsylvania | $1,380 | -$66 | -4.6% |
| Rhode Island | $1,930 | $484 | 33.5% |
| South Carolina | $1,312 | -$134 | -9.3% |
| South Dakota | $1,220 | -$226 | -15.6% |
| Tennessee | $1,268 | -$178 | -12.3% |
| Texas | $1,744 | $298 | 20.6% |
| Utah | $1,072 | -$374 | -25.9% |
| Vermont | $992 | -$454 | -31.4% |
| Virginia | $866 | -$580 | -40.1% |
| Washington | $1,120 | -$326 | -22.5% |
| West Virginia | $1,326 | -$120 | -8.3% |
| Wisconsin | $1,002 | -$444 | -30.7% |
| Wyoming | $1,288 | -$158 | -10.9% |
Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Golf 2.5 2-Dr Hatchback | $1,392 | $116 |
| Volkswagen Golf 2.5 4-Dr Hatchback | $1,386 | $116 |
| Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,488 | $124 |
| Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,472 | $123 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf | $306 | $600 | $390 | $1,454 |
| 2023 Volkswagen Golf | $294 | $596 | $398 | $1,446 |
| 2022 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
| 2021 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
| 2020 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
| 2019 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
| 2018 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
| 2017 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
| 2016 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
| 2015 Volkswagen Golf | $206 | $364 | $464 | $1,192 |
| 2012 Volkswagen Golf | $182 | $286 | $478 | $1,104 |
Rates are averaged for all Volkswagen Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Volkswagen Golf Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick rundown of the information raised in the charts and tables above.
- It is possible to save up to $180 per year simply by quoting online in advance
- Teenagers are expensive to insure, possibly costing $451 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save up to $600 each year
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,700 more every year for car insurance
- Policyholders who may need higher liability limits will pay about $440 annually to go from a 30/60 limit to higher 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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,408 |
| 20 | $3,372 |
| 30 | $1,514 |
| 40 | $1,446 |
| 50 | $1,322 |
| 60 | $1,298 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,842 |
| $250 | $1,658 |
| $500 | $1,446 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,446 |
| 50/100 | $1,552 |
| 100/300 | $1,651 |
| 250/500 | $1,910 |
| 100 CSL | $1,591 |
| 300 CSL | $1,810 |
| 500 CSL | $1,970 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,726 |
| 20 | $5,364 |
| 30 | $3,222 |
| 40 | $3,148 |
| 50 | $3,006 |
| 60 | $2,982 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $623 |
Discounts are estimated and may not be available from every company or in every state.
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