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.

U.S. average insurance rates for a Volkswagen Golf are $1,440 a year for full coverage insurance. Comprehensive insurance costs an estimated $284 each year, collision insurance costs $582, and liability insurance costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs $3,138 or more. Teen drivers pay the highest rates at up to $5,418 a year.

Average premium for full coverage: $1,440

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Golf models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how where you live affects insurance prices.

The ranges above illustrate why all drivers should compare rates for a targeted area and risk profile, rather than relying on price averages.

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

Additional Rate Details

The chart below illustrates average Volkswagen Golf insurance rates for other coverage scenarios.

• The lowest rate with discounts is $818
• Drivers who choose higher $1,000 deductibles will pay approximately $196 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,440
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $384 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,138
• The price for full coverage for a teen driver can cost as much as $5,418 a year

View Chart as Image

Car insurance prices for a Volkswagen Golf are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,400 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $580 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

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 Find the Cheapest Volkswagen Golf Insurance

Getting lower rates on Volkswagen Golf insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and possibly higher deductibles. Take the time to comparison shop once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a recap of the data that was touched on in the above illustrations.

• It is possible to save approximately $180 per year just by quoting online in advance
• Drivers who want an increased level of liability coverage will pay about $460 annually to go from a low limit to 250/500 limits
• Drivers age 16 to 20 have the highest car insurance prices, as much as $452 a month if full coverage is included
• High-risk drivers that have major violations or accidents pay on average $1,700 more annually than a safer driver

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.