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.

Average insurance prices for a Volkswagen Golf are $1,440 every 12 months for full coverage. Comprehensive insurance costs on average $284, collision insurance costs $582, and liability costs around $416. A liability-only policy costs as low as $474 a year, and high-risk insurance costs $3,138 or more. 16-year-old drivers receive the highest rates at up to $5,418 a year.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Golf models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

These examples show why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $818
• Using higher $1,000 deductibles will save around $196 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,440
• Buying pricier low deductibles for physical damage coverage costs an extra $384 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,138
• The cost to insure a 16-year-old driver for full coverage may cost $5,418 or more

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Insurance rates for a Volkswagen Golf can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Golf.

Opting for high physical damage deductibles could cut rates by as much as $580 annually, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 extra per year, depending on your age. Volkswagen Golf insurance for high-risk drivers can be from 44% to 131% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,060 on average in Michigan, Louisiana, and New York.

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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 Affordable Volkswagen Golf Insurance

Saving money on insurance for a Volkswagen Golf requires being safe and accident-free, having good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Make time to compare rates at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief review of the car insurance concepts touched on in this article.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,700 more each year than a low-risk driver
• Drivers can save as much as $180 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $575 each year
• Insureds who require more liability protection will pay around $460 each year to increase from a minimum limit to a 250/500 level

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.