Volkswagen Golf Insurance Rates

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 $1,446 a year including full coverage. Comprehensive costs approximately $294 a year, collision costs $596, and liability insurance costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $3,148. Teenage drivers receive the highest rates at $5,408 a year or more.

Average premium for full coverage: $1,446

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These examples highlight why it is important to compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The best discount rate is $823
• Drivers who choose higher $1,000 deductibles will pay $1,244 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,446
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,842
• High risk drivers who are prone to accidents and violations could pay around $3,148 or more
• The cost for full coverage for a teen driver can cost $5,408 a year

View Chart as Image

Car insurance rates for a Volkswagen Golf can also vary considerably based on your driver profile, the model of your Golf, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,400 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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $600 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Spend time shopping around at every other renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below is a brief recap of the concepts that were touched on above.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,700 more per year for auto insurance
• Teenage drivers pay the highest auto insurance rates, as much as $451 per month if full coverage is included
• You may be able to save around $180 per year simply by quoting early and online
• Increasing deductibles can save around $600 each year
• You may be able to save around $180 per year simply by quoting early and online

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. 

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.

• Acura ILX
• Ford Focus
• Mazda 3

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.