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.

Estimated insurance rates for a Volkswagen Golf are $1,446 a year including full coverage. Comprehensive insurance costs on average $294, collision costs $596, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing $3,148 or more. Teenage drivers pay the most at $5,408 a year or more.

Average premium for full coverage: $1,446

Premium estimates by type of coverage:

Comprehensive $294
Collision $596
Liability $398

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Golf models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Volkswagen Golf go from the low end price of $460 for just the minimum liability insurance to the much higher price of $3,148 for a driver who requires high-risk insurance.

Liability Only $460
Full Coverage $1,446
High Risk $3,148

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects car insurance rates.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

These rate differences highlight why everyone should get quotes based on a specific location, instead of using average rates.

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 Rate Analysis

The chart below breaks down estimated Volkswagen Golf insurance rates for different risk profiles and scenarios.

  • The best discount rate is $823
  • Choosing higher $1,000 deductibles can save around $202 every year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,446
  • Using pricier low deductibles for comp and collision coverage will cost an additional $396 every year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,148 or more
  • An auto insurance policy that insures a teen driver for full coverage may cost $5,408 each year

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing full coverage Volkswagen Golf insurance prices range from $823 to $5,408

Insurance prices for a Volkswagen Golf also have a wide range based on the model of your Golf, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 extra annually, depending on your age. Volkswagen Golf insurance for high-risk drivers ranges as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,070 on average in Michigan, New York, and Louisiana.

Volkswagen Golf Insurance Rates by State
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%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

Using high physical damage deductibles can save as much as $600 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Volkswagen Golf Insurance Rates by Model and Trim Level
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.

Volkswagen Golf Insurance Rates by Model Year
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 Find the Best Cheap Volkswagen Golf Insurance

Finding better rates on car insurance takes being a good driver, having above-average credit, refrain from filing small claims, and bundling your home and auto policies. Compare prices at every other renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a quick review of the concepts that were touched on in the above illustrations.

  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,700 more each year than a safer driver
  • Drivers age 16 to 20 pay the highest prices, with the cost nearing $451 per month if full coverage is included
  • You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $600 each year
  • You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date

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. 

Rates by Driver Age

Volkswagen Golf Insurance 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

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,842
$250 $1,658
$500 $1,446
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
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

Volkswagen Golf Insurance 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.

SR-22 Surcharge $206

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
Rate after discounts $823

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

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