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 insurance prices for a Volkswagen Golf are $1,446 every 12 months including full coverage. Comprehensive insurance costs on average $294, collision insurance costs $596, and liability costs around $398. A liability-only policy costs as low as $460 a year, and high-risk insurance costs $3,148 or more. Teens cost the most to insure at up to $5,408 a year.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $823
• Using higher $1,000 deductibles will save around $202 every year
• The average price for a good driver age 40 with $500 deductibles is $1,446
• Selecting more expensive low deductibles for physical damage coverage costs an extra $396 annually
• High-risk insureds with serious driving violations could pay upwards of $3,148
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,408 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers 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 were responsible for an accident, you are likely paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be from 44% to 131% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see rates 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

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 Shop for the Best Cheap Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $180 per year just by shopping early and online
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,700 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Teenage drivers are expensive to insure, with premiums being up to $451 each 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. 

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.