Volkswagen Golf Insurance Rates

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UPDATED: Apr 3, 2024

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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 for full coverage. Comprehensive insurance costs around $294 a year, collision costs $596, and liability is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing $3,148 or more. Teen drivers cost the most to insure at $5,408 a year or more.

Average premium for full coverage: $1,446

Policy rates for type of insurance:

Comprehensive $294
Collision $596
Liability $398

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Golf trim levels.

Price Range Variability

For the normal driver, Volkswagen Golf insurance rates go from as cheap as $460 for your basic liability-only policy to a high of $3,148 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance rates.

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

The examples above show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price 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.

More Rate Information

The chart below shows estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $823
  • Raising to $1,000 deductibles will save about $1,244 a year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,446
  • Choosing low $100 deductibles costs an additional $396 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $3,148 or more
  • Policy cost with full coverage for a 16-year-old driver can be $5,408

View Chart as Image

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

Auto insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $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 could be paying at least $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $600 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Volkswagen Golf insurance prices. A middle-age driver might find rates as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,070 on average in Michigan, Louisiana, and New York.

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

Because rates have so much variability, the only way to know your exact price is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.

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 Buy the Best Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a brief recap of the car insurance concepts presented in the illustrations above.

  • Drivers considered higher risk who tend to receive serious violations pay an average of $1,700 more every year to buy Volkswagen Golf insurance
  • Drivers can save up to $180 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $600 each year
  • Insureds who may need increased levels of liability coverage will pay about $440 each year to raise 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. 

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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.

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