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.

Estimated insurance rates for a Volkswagen Golf are $1,446 a year for full coverage. Comprehensive costs on average $294 a year, collision costs $596, and liability insurance costs around $398. A policy with only liability insurance costs as low as $460 a year, with a high-risk policy costing around $3,148. 16-year-old drivers pay the most at $5,408 a year or more.

Average premium for full coverage: $1,446

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Golf trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why it is important to compare prices based on a specific location, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $823
• Using higher $1,000 deductibles will save around $1,244 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,446
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,842
• Drivers with multiple tickets or accidents could pay upwards of $3,148 or more
• An auto insurance policy that insures a teen driver may cost $5,408 or more

View Chart as Image

Car insurance prices for a Volkswagen Golf also have a wide range based on the trim level of your Golf, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $600 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.

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 More Affordable Volkswagen Golf Insurance

Finding better rates on Volkswagen Golf insurance requires having a good driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Comparison shop every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a summary of the information covered above.

• Drivers can save as much as $180 per year simply by quoting early and online
• Drivers age 20 and younger are expensive to insure, as much as $451 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $600 each year
• High-risk drivers who have multiple accidents or major violations may pay on average $1,700 more each year to buy Volkswagen Golf insurance
• Drivers who require increased levels of liability coverage will pay around $440 each year to increase from 30/60 bodily injury limits to the 250/500 level

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.