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.

The average auto insurance rates for a Volkswagen Golf are $1,446 annually including full coverage. Comprehensive insurance costs on average $294 each year, collision costs $596, and liability costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing $3,148 or more. Teens cost the most to insure at $5,408 a year or more.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Golf models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $823
• Drivers who choose higher $1,000 deductibles will pay around $202 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,446
• Selecting low deductibles for comprehensive and collision insurance costs an additional $396 annually
• Drivers with serious driving violations could pay upwards of $3,148 or more
• Policy cost with full coverage for a 16-year-old driver may cost $5,408 a year

View Chart as Image

Car insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company calculates rates differently, so rate quotes will be varied between companies.

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 Buy the Right Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick rundown of the information covered in the charts and tables above.

• You may be able to save as much as $180 per year simply by quoting online in advance
• Teenage drivers are expensive to insure, with premiums being up to $451 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,700 more each year for auto insurance
• Insureds who require higher levels of liability will pay approximately $440 per year to go from a 30/60 limit to higher 250/500 limits

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.