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 insurance. Comprehensive insurance costs on average $294 each year, collision insurance costs $596, and liability coverage costs $398. A policy with only liability insurance costs as little as $460 a year, and a high-risk policy costs $3,148 or more. Teens pay the most at up to $5,408 a year.

Average premium for full coverage: $1,446

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Golf models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $823
• Drivers who choose higher $1,000 deductibles will pay around $202 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,446
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $396 each year
• High-risk insureds with serious driving violations could pay upwards of $3,148
• An auto insurance policy for full coverage for a teenage driver may cost $5,408 a year

View Chart as Image

Car insurance prices for a Volkswagen Golf also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 131% more than the average policy. 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 Cheaper Volkswagen Golf Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a condensed summary of the car insurance concepts covered in the charts and tables above.

• Drivers with multiple at-fault accidents pay an average of $1,700 more each year than a safer driver
• It is possible to save as much as $180 per year just by quoting online in advance
• Increasing policy deductibles can save around $600 each year
• Consumers who require an increased level of liability coverage will pay approximately $440 annually to go from 30/60 bodily injury limits to 250/500 limits

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.