Volkswagen Golf Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 9, 2019

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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 rates for a Volkswagen Golf are $1,398 a year for full coverage. Comprehensive costs on average $260 a year, collision costs $538, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,052. Teen drivers receive the highest rates at $5,334 a year or more.

Average premium for full coverage: $1,398

Rate estimates by individual coverage type:

Comprehensive $260
Collision $538
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Golf trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,052 for a high risk driver.

Liability Only $496
Full Coverage $1,398
High Risk $3,052

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,049
Small Cities $1,468
Large Cities $1,887

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $799
  • Drivers who choose higher $1,000 deductibles will pay around $1,218 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,398
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,752
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,052 or more
  • The cost for full coverage for a teen driver may cost $5,334 a year

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing full coverage Volkswagen Golf insurance rates range from $799 to $5,334

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

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,300 a year. View Rates by Age

Where you live makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $1,990 on average in Michigan, Louisiana, and New York.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,264 -$134 -9.6%
Alaska $1,072 -$326 -23.3%
Arizona $1,162 -$236 -16.9%
Arkansas $1,398 -$0 0.0%
California $1,594 $196 14.0%
Colorado $1,336 -$62 -4.4%
Connecticut $1,436 $38 2.7%
Delaware $1,582 $184 13.2%
Florida $1,748 $350 25.0%
Georgia $1,290 -$108 -7.7%
Hawaii $1,004 -$394 -28.2%
Idaho $946 -$452 -32.3%
Illinois $1,042 -$356 -25.5%
Indiana $1,054 -$344 -24.6%
Iowa $944 -$454 -32.5%
Kansas $1,328 -$70 -5.0%
Kentucky $1,908 $510 36.5%
Louisiana $2,070 $672 48.1%
Maine $862 -$536 -38.3%
Maryland $1,154 -$244 -17.5%
Massachusetts $1,120 -$278 -19.9%
Michigan $2,428 $1,030 73.7%
Minnesota $1,170 -$228 -16.3%
Mississippi $1,674 $276 19.7%
Missouri $1,240 -$158 -11.3%
Montana $1,502 $104 7.4%
Nebraska $1,102 -$296 -21.2%
Nevada $1,676 $278 19.9%
New Hampshire $1,006 -$392 -28.0%
New Jersey $1,564 $166 11.9%
New Mexico $1,238 -$160 -11.4%
New York $1,472 $74 5.3%
North Carolina $806 -$592 -42.3%
North Dakota $1,144 -$254 -18.2%
Ohio $966 -$432 -30.9%
Oklahoma $1,436 $38 2.7%
Oregon $1,280 -$118 -8.4%
Pennsylvania $1,334 -$64 -4.6%
Rhode Island $1,866 $468 33.5%
South Carolina $1,266 -$132 -9.4%
South Dakota $1,180 -$218 -15.6%
Tennessee $1,224 -$174 -12.4%
Texas $1,684 $286 20.5%
Utah $1,036 -$362 -25.9%
Vermont $958 -$440 -31.5%
Virginia $838 -$560 -40.1%
Washington $1,082 -$316 -22.6%
West Virginia $1,282 -$116 -8.3%
Wisconsin $968 -$430 -30.8%
Wyoming $1,244 -$154 -11.0%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

Choosing high deductibles could save up to $540 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,350 $113
Volkswagen Golf 2.5 4-Dr Hatchback $1,344 $112
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,434 $120
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,420 $118

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 $260 $538 $442 $1,398
2015 Volkswagen Golf $240 $470 $456 $1,324
2012 Volkswagen Golf $206 $364 $464 $1,192
2004 Volkswagen Golf $150 $198 $452 $958
2003 Volkswagen Golf $138 $190 $446 $932
2002 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 Cheaper Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $445 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,650 more each year for insurance

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 $5,334
20 $3,262
30 $1,452
40 $1,398
50 $1,280
60 $1,256

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,752
$250 $1,586
$500 $1,398
$1,000 $1,218

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,398
50/100 $1,508
100/300 $1,619
250/500 $1,906
100 CSL $1,553
300 CSL $1,796
500 CSL $1,973

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,610
20 $5,206
30 $3,112
40 $3,052
50 $2,918
60 $2,892

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $104
5-yr Claim Free $91
Paid in Full/EFT $64
Advance Quote $70
Online Quote $99
Total Discounts $599
Rate after discounts $799

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

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