Volkswagen Golf Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

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 prices for a Volkswagen Golf are $1,324 every 12 months for full coverage insurance. Comprehensive costs approximately $240, collision costs $470, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $2,884. Teenage drivers cost the most to insure at $5,102 a year or more.

Average premium for full coverage: $1,324

Policy rates by type of insurance:

Comprehensive $240
Collision $470
Liability $456

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Golf trim levels.

Price Range Variability

For a driver in their 40's, Volkswagen Golf insurance rates go from the cheapest price of $508 for the bare minimum liability coverage to a much higher rate of $2,884 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

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

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on average rates.

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.

Additional Rate Information

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

  • The best discount rate is $763
  • Choosing higher $1,000 deductibles can save $162 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,324
  • Using more expensive low deductibles for comp and collision coverage increases the price to $1,638
  • High-risk insureds who are prone to accidents and violations could pay around $2,884 or more
  • Policy cost to insure a teen driver with full coverage can cost $5,102 each year

View Chart as Image

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

Insurance rates for a Volkswagen Golf also range considerably based on liability limits and deductibles, your risk profile, and the model of your Golf.

Using high physical damage deductibles can save as much as $480 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Volkswagen Golf insurance rates. A good driver about age 40 could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied.

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 the Right Volkswagen Golf Insurance

Finding cheaper rates on Volkswagen Golf insurance takes being a low-risk driver, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick rundown of the primary concepts that were covered in the charts and tables above.

  • It is possible to save around $160 per year simply by shopping early and online
  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,560 more per year to insure their Golf
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • Teen drivers are expensive to insure, possibly costing $425 each month if they have full coverage

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. 

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock 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. 

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles