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.
Average insurance prices for a Volkswagen Golf are $1,440 every 12 months with full coverage. Comprehensive insurance costs an estimated $284, collision costs $582, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $3,138 or more. Teen drivers receive the highest rates at $5,418 a year or more.
Average premium for full coverage: $1,440
Rate estimates broken down by individual coverage type:
These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Golf trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $474 for just liability insurance to a much higher rate of $3,138 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas.
The price range example below illustrates how location impacts insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of using 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 Details
The chart below details estimated Volkswagen Golf insurance rates for other coverage scenarios.
- The lowest rate with discounts is $818
- Raising to $1,000 deductibles will save approximately $196 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,440
- Choosing more expensive low deductibles costs an extra $384 every year
- At-risk drivers with multiple violations and an at-fault accident could pay up to $3,138 or more
- The cost to insure a teen driver with full coverage can cost as much as $5,418
Auto insurance rates for a Volkswagen Golf can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $580 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,700 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 131% more than average. View High Risk Driver Rates
Where you live also has a big influence on Volkswagen Golf insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,950 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,302 | -$138 | -9.6% |
| Alaska | $1,106 | -$334 | -23.2% |
| Arizona | $1,196 | -$244 | -16.9% |
| Arkansas | $1,440 | -$0 | 0.0% |
| California | $1,640 | $200 | 13.9% |
| Colorado | $1,378 | -$62 | -4.3% |
| Connecticut | $1,482 | $42 | 2.9% |
| Delaware | $1,630 | $190 | 13.2% |
| Florida | $1,802 | $362 | 25.1% |
| Georgia | $1,330 | -$110 | -7.6% |
| Hawaii | $1,034 | -$406 | -28.2% |
| Idaho | $974 | -$466 | -32.4% |
| Illinois | $1,074 | -$366 | -25.4% |
| Indiana | $1,084 | -$356 | -24.7% |
| Iowa | $972 | -$468 | -32.5% |
| Kansas | $1,370 | -$70 | -4.9% |
| Kentucky | $1,966 | $526 | 36.5% |
| Louisiana | $2,132 | $692 | 48.1% |
| Maine | $888 | -$552 | -38.3% |
| Maryland | $1,188 | -$252 | -17.5% |
| Massachusetts | $1,152 | -$288 | -20.0% |
| Michigan | $2,502 | $1,062 | 73.8% |
| Minnesota | $1,204 | -$236 | -16.4% |
| Mississippi | $1,724 | $284 | 19.7% |
| Missouri | $1,278 | -$162 | -11.3% |
| Montana | $1,548 | $108 | 7.5% |
| Nebraska | $1,136 | -$304 | -21.1% |
| Nevada | $1,726 | $286 | 19.9% |
| New Hampshire | $1,038 | -$402 | -27.9% |
| New Jersey | $1,610 | $170 | 11.8% |
| New Mexico | $1,276 | -$164 | -11.4% |
| New York | $1,518 | $78 | 5.4% |
| North Carolina | $830 | -$610 | -42.4% |
| North Dakota | $1,178 | -$262 | -18.2% |
| Ohio | $996 | -$444 | -30.8% |
| Oklahoma | $1,478 | $38 | 2.6% |
| Oregon | $1,318 | -$122 | -8.5% |
| Pennsylvania | $1,372 | -$68 | -4.7% |
| Rhode Island | $1,920 | $480 | 33.3% |
| South Carolina | $1,304 | -$136 | -9.4% |
| South Dakota | $1,216 | -$224 | -15.6% |
| Tennessee | $1,260 | -$180 | -12.5% |
| Texas | $1,736 | $296 | 20.6% |
| Utah | $1,066 | -$374 | -26.0% |
| Vermont | $986 | -$454 | -31.5% |
| Virginia | $862 | -$578 | -40.1% |
| Washington | $1,114 | -$326 | -22.6% |
| West Virginia | $1,320 | -$120 | -8.3% |
| Wisconsin | $996 | -$444 | -30.8% |
| Wyoming | $1,284 | -$156 | -10.8% |
With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Golf 2.5 2-Dr Hatchback | $1,386 | $116 |
| Volkswagen Golf 2.5 4-Dr Hatchback | $1,382 | $115 |
| Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,480 | $123 |
| Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,464 | $122 |
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 | $294 | $596 | $398 | $1,446 |
| 2023 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
| 2022 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
| 2021 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
| 2020 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
| 2019 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
| 2018 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
| 2017 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
| 2016 Volkswagen Golf | $206 | $364 | $464 | $1,192 |
| 2015 Volkswagen Golf | $202 | $340 | $474 | $1,174 |
| 2012 Volkswagen Golf | $170 | $262 | $474 | $1,064 |
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 Shop for Cheap Volkswagen Golf Insurance
Saving money on car insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief summary of the data that was touched on above.
- You may be able to save approximately $180 per year simply by shopping early and online
- Policyholders who want higher levels of liability will pay about $460 every year to raise from a minimum limit to a 250/500 level
- Teenage drivers are the costliest to insure, with premiums as much as $452 per month if comprehensive and collision insurance is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,700 more annually for auto 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.
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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 | $5,418 |
| 20 | $3,358 |
| 30 | $1,502 |
| 40 | $1,440 |
| 50 | $1,318 |
| 60 | $1,294 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,824 |
| $250 | $1,646 |
| $500 | $1,440 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,440 |
| 50/100 | $1,547 |
| 100/300 | $1,651 |
| 250/500 | $1,922 |
| 100 CSL | $1,589 |
| 300 CSL | $1,818 |
| 500 CSL | $1,984 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,738 |
| 20 | $5,350 |
| 30 | $3,208 |
| 40 | $3,138 |
| 50 | $2,996 |
| 60 | $2,970 |
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 | $109 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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