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

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to compare rates based on a specific location and their own driving history, rather than using average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The best discount rate is $823
• Drivers who choose higher $1,000 deductibles will pay around $1,244 each year
• The average price for a good driver age 40 with $500 deductibles is $1,446
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,842
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,148 or more
• Policy cost to insure a teenage driver may cost $5,408 a year

View Chart as Image

Auto insurance rates for a Volkswagen Golf also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Golf.

Using high physical damage deductibles could save up to $600 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay 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 probably paying at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 Right Volkswagen Golf Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and taking advantage of discounts. Invest time comparing rates once a year by quoting rates from direct insurance companies, and also from several local insurance agents.

The items below are a quick rundown of the data that was covered in the charts and tables above.

• It is possible to save as much as $180 per year simply by quoting early and online
• Consumers who require more liability coverage will pay an extra $440 annually to go from a 30/60 limit to a 250/500 level
• Teen drivers are charged the highest rates, possibly costing $451 each month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions pay on average $1,700 more each year to insure their Golf

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.