Volkswagen Golf Insurance Rates
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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
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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.
U.S. average auto insurance rates for a Volkswagen Golf are $1,446 annually including full coverage. Comprehensive insurance costs an estimated $294, collision costs $596, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing $3,148 or more. 16-year-old drivers pay the highest rates at $5,408 a year or more.
Average premium for full coverage: $1,446
Price estimates broken down by individual coverage:
Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Golf models.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Golf insurance prices go from as cheap as $460 for minimum levels of liability insurance to the much higher price of $3,148 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.
The example below illustrates how your location can change insurance prices.
The ranges above highlight why everyone should get quotes for a targeted area and their own personal driving habits, instead of using 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 Details
The chart below breaks down estimated Volkswagen Golf insurance rates for other coverage scenarios.
- The best full coverage rate is $823
- Choosing higher $1,000 deductibles can save approximately $202 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,446
- Buying pricier low deductibles for comp and collision coverage costs an additional $396 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,148 or more
- The price with full coverage for a teen driver for full coverage can cost as much as $5,408 each year
Insurance prices for a Volkswagen Golf are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,700 to $2,400 extra each year, depending on your age. Volkswagen Golf insurance for high-risk drivers ranges as much as 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $600 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,070 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Right Volkswagen Golf Insurance
Getting lower rates on car insurance takes being a safe and courteous driver, having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to shop around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a quick rundown of the car insurance concepts illustrated above.
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,700 more annually for auto insurance
- You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $600 each year
- Policyholders who want higher levels of liability will pay around $440 per year to raise limits from a low 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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,842 |
| $250 | $1,658 |
| $500 | $1,446 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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