Volkswagen Golf Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

Average insurance prices for a Volkswagen Golf are $1,324 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $240 a year, collision costs $470, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $2,884 or more. Teens receive the highest rates at $5,102 a year or more.

Average premium for full coverage: $1,324

Rate estimates broken down by individual coverage type:

Comprehensive $240
Collision $470
Liability $456

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Golf trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $508 for a discount liability-only rate to a high of $2,884 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

These examples illustrate why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $763
  • Choosing higher $1,000 deductibles can save approximately $1,162 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,324
  • Selecting low $100 deductibles for comp and collision coverage costs an extra $314 annually
  • Higher-risk drivers with serious driving violations could pay up to $2,884 or more
  • The cost to insure a 16-year-old driver can cost as much as $5,102 each year

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing full coverage Volkswagen Golf insurance prices range from $763 to $5,102

Auto insurance rates for a Volkswagen Golf can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 135% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,790 on average in Florida, New York, and Michigan.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,016 -$308 -23.3%
Arizona $1,098 -$226 -17.1%
Arkansas $1,324 -$0 0.0%
California $1,508 $184 13.9%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,658 $334 25.2%
Georgia $1,222 -$102 -7.7%
Hawaii $952 -$372 -28.1%
Idaho $894 -$430 -32.5%
Illinois $986 -$338 -25.5%
Indiana $996 -$328 -24.8%
Iowa $894 -$430 -32.5%
Kansas $1,258 -$66 -5.0%
Kentucky $1,806 $482 36.4%
Louisiana $1,958 $634 47.9%
Maine $818 -$506 -38.2%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,300 $976 73.7%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,174 -$150 -11.3%
Montana $1,424 $100 7.6%
Nebraska $1,042 -$282 -21.3%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $762 -$562 -42.4%
North Dakota $1,082 -$242 -18.3%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,198 -$126 -9.5%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,594 $270 20.4%
Utah $982 -$342 -25.8%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -10.9%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly 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 $1,278 $107
Volkswagen Golf 2.5 4-Dr Hatchback $1,278 $107
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,358 $113
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,344 $112

Rates assume 2017 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
2017 Volkswagen Golf $240 $470 $456 $1,324
2015 Volkswagen Golf $214 $388 $460 $1,220
2012 Volkswagen Golf $186 $316 $474 $1,134
2004 Volkswagen Golf $132 $180 $442 $912

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 Shop for Affordable Volkswagen Golf Insurance

Saving money on insurance for a Volkswagen Golf takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief review of the coverage data touched on in this article.

  • It is possible to save approximately $160 per year simply by quoting early and online
  • Increasing deductibles could save as much as $475 each year
  • Youthful drivers are the costliest to insure, costing up to $425 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,560 more annually than a low-risk driver

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 $5,102
20 $3,082
30 $1,368
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,435
100/300 $1,549
250/500 $1,846
100 CSL $1,481
300 CSL $1,732
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,264
20 $4,914
30 $2,934
40 $2,884
50 $2,756
60 $2,732

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $65
Online Quote $93
Total Discounts $561
Rate after discounts $763

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

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