Volkswagen Golf Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 insurance rates for a Volkswagen Golf are $1,360 a year with full coverage. Comprehensive costs on average $250 each year, collision insurance costs $500, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $2,962. 16-year-old drivers cost the most to insure at up to $5,210 a year.
Average premium for full coverage: $1,360
Policy rates by type of insurance:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Golf models.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Golf insurance rates range from the low end price of $504 for just liability coverage to a high rate of $2,962 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above demonstrate why all drivers should compare rates based on a specific location, rather than relying on rate 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.
Detailed Rate Analysis
The chart below details average Volkswagen Golf insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $779
- Drivers who choose higher $1,000 deductibles will pay around $170 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,360
- Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,690
- High risk drivers with multiple tickets or accidents could pay upwards of $2,962
- Policy cost that insures a teen driver may cost $5,210 a year
Insurance rates for a Volkswagen Golf also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age
Your home state makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or at least $1,830 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles could save up to $500 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Volkswagen Golf 2.5 2-Dr Hatchback||$1,312||$109|
|Volkswagen Golf 2.5 4-Dr Hatchback||$1,310||$109|
|Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback||$1,394||$116|
|Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback||$1,380||$115|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Volkswagen Golf||$250||$500||$452||$1,360|
|2015 Volkswagen Golf||$230||$422||$460||$1,270|
|2012 Volkswagen Golf||$202||$340||$474||$1,174|
|2004 Volkswagen Golf||$138||$190||$446||$932|
|2003 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 Find the Cheapest Volkswagen Golf Insurance
Finding cheaper rates on Volkswagen Golf insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Comparison shop every other policy renewal by quoting rates from direct companies, and also from several local insurance agents.
The following is a recap of the ideas that were raised in the charts and tables above.
- Teens pay higher rates, as much as $434 each month if comprehensive and collision insurance is included
- High-risk drivers that have major violations or accidents pay on average $1,600 more each year for Golf insurance
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- You may be able to save as much as $160 per year just by quoting online in advance
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.
Compare Quotes From Top Companies and Save Secured with SHA-256 Encryption
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$100|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area