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.

Average auto insurance rates for a Volkswagen Golf are $1,446 annually for full coverage. Comprehensive costs on average $294, collision insurance costs $596, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, and coverage for high-risk drivers costs around $3,148. Teens receive the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,446

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on car insurance rates.

These examples show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $823
• Choosing higher $1,000 deductibles can save around $202 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,446
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,842
• Higher-risk drivers with serious driving violations could pay upwards of $3,148
• The cost with full coverage for a 16-year-old driver with full coverage may cost $5,408 each year

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Insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your driver profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance ranges from 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,070 on average in Michigan, Louisiana, and New York.

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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 Buy Affordable Volkswagen Golf Insurance

Saving money on insurance for a Volkswagen Golf takes avoiding accidents and violations, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Take the time to compare rates once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a brief review of the data that was covered in the above illustrations.

• Drivers can save as much as $180 per year just by shopping early and online
• Insureds who require higher liability limits will pay approximately $440 each year to raise limits from a minimum limit to higher 250/500 limits
• Teenagers pay higher rates, costing as high as $451 per month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $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.