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

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 3, 2024

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.

Average insurance prices for a Volkswagen Golf are $1,446 every 12 months with full coverage. Comprehensive insurance costs an estimated $294 a year, collision insurance costs $596, and liability insurance is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs $3,148 or more. 16-year-old drivers receive the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,446

Rate estimates broken down by individual coverage type:

Comprehensive $294
Collision $596
Liability $398

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

Price Range by Coverage and Risk

For the normal driver, prices range range from the cheapest price of $460 for the bare minimum liability coverage to a high of $3,148 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,446
High Risk $3,148

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

These examples demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, 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.

Additional Rate Information

The chart below details average Volkswagen Golf insurance rates for other coverage scenarios.

  • The best full coverage rate is $823
  • Raising to $1,000 deductibles will save approximately $1,244 annually
  • The average price for a 40-year-old driver who has $500 deductibles is $1,446
  • Buying low $100 deductibles costs an extra $396 a year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,148
  • The cost to insure a teen driver can cost as much as $5,408

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing Volkswagen Golf insurance prices range from $823 to $5,408 for full coverage

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

Opting for high physical damage deductibles can reduce rates by up to $600 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Volkswagen Golf insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or at least $1,950 on average in New York, Michigan, and Florida.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$138 -9.5%
Alaska $1,110 -$336 -23.2%
Arizona $1,200 -$246 -17.0%
Arkansas $1,446 -$0 0.0%
California $1,650 $204 14.1%
Colorado $1,382 -$64 -4.4%
Connecticut $1,488 $42 2.9%
Delaware $1,636 $190 13.1%
Florida $1,810 $364 25.2%
Georgia $1,336 -$110 -7.6%
Hawaii $1,040 -$406 -28.1%
Idaho $980 -$466 -32.2%
Illinois $1,080 -$366 -25.3%
Indiana $1,090 -$356 -24.6%
Iowa $976 -$470 -32.5%
Kansas $1,376 -$70 -4.8%
Kentucky $1,976 $530 36.7%
Louisiana $2,142 $696 48.1%
Maine $894 -$552 -38.2%
Maryland $1,192 -$254 -17.6%
Massachusetts $1,158 -$288 -19.9%
Michigan $2,514 $1,068 73.9%
Minnesota $1,210 -$236 -16.3%
Mississippi $1,734 $288 19.9%
Missouri $1,286 -$160 -11.1%
Montana $1,554 $108 7.5%
Nebraska $1,142 -$304 -21.0%
Nevada $1,734 $288 19.9%
New Hampshire $1,044 -$402 -27.8%
New Jersey $1,618 $172 11.9%
New Mexico $1,282 -$164 -11.3%
New York $1,526 $80 5.5%
North Carolina $836 -$610 -42.2%
North Dakota $1,184 -$262 -18.1%
Ohio $1,000 -$446 -30.8%
Oklahoma $1,488 $42 2.9%
Oregon $1,326 -$120 -8.3%
Pennsylvania $1,380 -$66 -4.6%
Rhode Island $1,930 $484 33.5%
South Carolina $1,312 -$134 -9.3%
South Dakota $1,220 -$226 -15.6%
Tennessee $1,268 -$178 -12.3%
Texas $1,744 $298 20.6%
Utah $1,072 -$374 -25.9%
Vermont $992 -$454 -31.4%
Virginia $866 -$580 -40.1%
Washington $1,120 -$326 -22.5%
West Virginia $1,326 -$120 -8.3%
Wisconsin $1,002 -$444 -30.7%
Wyoming $1,288 -$158 -10.9%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

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 $1,392 $116
Volkswagen Golf 2.5 4-Dr Hatchback $1,386 $116
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,488 $124
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,472 $123

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.

Volkswagen Golf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Golf $306 $600 $390 $1,454
2023 Volkswagen Golf $294 $596 $398 $1,446
2022 Volkswagen Golf $284 $582 $416 $1,440
2021 Volkswagen Golf $274 $558 $430 $1,420
2020 Volkswagen Golf $260 $538 $442 $1,398
2019 Volkswagen Golf $250 $500 $452 $1,360
2018 Volkswagen Golf $240 $470 $456 $1,324
2017 Volkswagen Golf $230 $422 $460 $1,270
2016 Volkswagen Golf $214 $388 $460 $1,220
2015 Volkswagen Golf $206 $364 $464 $1,192
2012 Volkswagen Golf $182 $286 $478 $1,104

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 Cheap Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance consists of not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief summary of the data presented in the illustrations above.

  • Drivers who want higher liability limits will pay around $440 every year to raise from a minimum limit to a 250/500 level
  • You may be able to save approximately $180 per year just by quoting early and online
  • Increasing deductibles could save as much as $600 each year
  • Teens have the highest car insurance rates, with premiums as much as $451 per month if the policy includes 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 $5,408
20 $3,372
30 $1,514
40 $1,446
50 $1,322
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,842
$250 $1,658
$500 $1,446
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,552
100/300 $1,651
250/500 $1,910
100 CSL $1,591
300 CSL $1,810
500 CSL $1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,726
20 $5,364
30 $3,222
40 $3,148
50 $3,006
60 $2,982

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 $206

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $110
5-yr Claim Free $94
Paid in Full/EFT $68
Advance Quote $73
Online Quote $103
Total Discounts $623
Rate after discounts $823

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