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 with full coverage. Comprehensive costs on average $294 each year, collision insurance costs $596, and liability costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $3,148. Teenage drivers 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:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Golf models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $823
• Using higher $1,000 deductibles will save around $202 annually
• The average price for a good driver age 40 with $500 deductibles is $1,446
• Using low deductibles for physical damage coverage increases the price to $1,842
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,148
• Policy cost to insure a 16-year-old driver may cost $5,408 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $600 annually, whereas increasing liability limits will cost you more. Moving 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

More mature drivers with a good driving record 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 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 may be forking out at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than a normal 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 $1,040 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,950 on average in Florida, Michigan, and New York.

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 Cheapest Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf requires avoiding accidents and violations, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around once a year by requesting rates from direct companies, and also from local exclusive and independent agents.

The list below is a recap of the data that was illustrated above.

• You may be able to save as much as $180 per year just by quoting online in advance
• Insureds who require higher liability limits will pay an extra $440 every year to increase from a 30/60 limit to a 250/500 level
• Teenagers are charged the highest rates, as much as $451 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,700 more each year for car insurance

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.