Volkswagen Golf Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance prices for a Volkswagen Golf are $1,324 every 12 months for full coverage insurance. Comprehensive costs approximately $240, collision costs $470, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $2,884. Teenage drivers cost the most to insure at $5,102 a year or more.
Average premium for full coverage: $1,324
Policy rates by type of insurance:
Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Golf trim levels.
Price Range Variability
For a driver in their 40's, Volkswagen Golf insurance rates go from the cheapest price of $508 for the bare minimum liability coverage to a much higher rate of $2,884 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on average rates.
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.
Additional Rate Information
The chart below illustrates estimated Volkswagen Golf insurance rates for additional coverage and risk scenarios.
- The best discount rate is $763
- Choosing higher $1,000 deductibles can save $162 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,324
- Using more expensive low deductibles for comp and collision coverage increases the price to $1,638
- High-risk insureds who are prone to accidents and violations could pay around $2,884 or more
- Policy cost to insure a teen driver with full coverage can cost $5,102 each year
Insurance rates for a Volkswagen Golf also range considerably based on liability limits and deductibles, your risk profile, and the model of your Golf.
Using high physical damage deductibles can save as much as $480 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volkswagen Golf insurance rates. A good driver about age 40 could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,790 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,196 | -$128 | -9.7% |
Alaska | $1,016 | -$308 | -23.3% |
Arizona | $1,098 | -$226 | -17.1% |
Arkansas | $1,324 | -$0 | 0.0% |
California | $1,508 | $184 | 13.9% |
Colorado | $1,264 | -$60 | -4.5% |
Connecticut | $1,360 | $36 | 2.7% |
Delaware | $1,498 | $174 | 13.1% |
Florida | $1,658 | $334 | 25.2% |
Georgia | $1,222 | -$102 | -7.7% |
Hawaii | $952 | -$372 | -28.1% |
Idaho | $894 | -$430 | -32.5% |
Illinois | $986 | -$338 | -25.5% |
Indiana | $996 | -$328 | -24.8% |
Iowa | $894 | -$430 | -32.5% |
Kansas | $1,258 | -$66 | -5.0% |
Kentucky | $1,806 | $482 | 36.4% |
Louisiana | $1,958 | $634 | 47.9% |
Maine | $818 | -$506 | -38.2% |
Maryland | $1,092 | -$232 | -17.5% |
Massachusetts | $1,060 | -$264 | -19.9% |
Michigan | $2,300 | $976 | 73.7% |
Minnesota | $1,108 | -$216 | -16.3% |
Mississippi | $1,586 | $262 | 19.8% |
Missouri | $1,174 | -$150 | -11.3% |
Montana | $1,424 | $100 | 7.6% |
Nebraska | $1,042 | -$282 | -21.3% |
Nevada | $1,586 | $262 | 19.8% |
New Hampshire | $952 | -$372 | -28.1% |
New Jersey | $1,480 | $156 | 11.8% |
New Mexico | $1,172 | -$152 | -11.5% |
New York | $1,394 | $70 | 5.3% |
North Carolina | $762 | -$562 | -42.4% |
North Dakota | $1,082 | -$242 | -18.3% |
Ohio | $914 | -$410 | -31.0% |
Oklahoma | $1,360 | $36 | 2.7% |
Oregon | $1,212 | -$112 | -8.5% |
Pennsylvania | $1,262 | -$62 | -4.7% |
Rhode Island | $1,766 | $442 | 33.4% |
South Carolina | $1,198 | -$126 | -9.5% |
South Dakota | $1,116 | -$208 | -15.7% |
Tennessee | $1,160 | -$164 | -12.4% |
Texas | $1,594 | $270 | 20.4% |
Utah | $982 | -$342 | -25.8% |
Vermont | $908 | -$416 | -31.4% |
Virginia | $794 | -$530 | -40.0% |
Washington | $1,022 | -$302 | -22.8% |
West Virginia | $1,214 | -$110 | -8.3% |
Wisconsin | $918 | -$406 | -30.7% |
Wyoming | $1,180 | -$144 | -10.9% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Volkswagen Golf 2.5 2-Dr Hatchback | $1,278 | $107 |
Volkswagen Golf 2.5 4-Dr Hatchback | $1,278 | $107 |
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,358 | $113 |
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,344 | $112 |
Rates assume 2017 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 |
---|---|---|---|---|
2017 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
2015 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
2012 Volkswagen Golf | $186 | $316 | $474 | $1,134 |
2004 Volkswagen Golf | $132 | $180 | $442 | $912 |
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 the Right Volkswagen Golf Insurance
Finding cheaper rates on Volkswagen Golf insurance takes being a low-risk driver, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The items below are a quick rundown of the primary concepts that were covered in the charts and tables above.
- It is possible to save around $160 per year simply by shopping early and online
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,560 more per year to insure their Golf
- Increasing comprehensive and collision deductibles could save as much as $475 each year
- Teen drivers are expensive to insure, possibly costing $425 each month if they have full coverage
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 | $5,102 |
20 | $3,082 |
30 | $1,368 |
40 | $1,324 |
50 | $1,212 |
60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,638 |
$250 | $1,490 |
$500 | $1,324 |
$1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,324 |
50/100 | $1,435 |
100/300 | $1,549 |
250/500 | $1,846 |
100 CSL | $1,481 |
300 CSL | $1,732 |
500 CSL | $1,914 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,264 |
20 | $4,914 |
30 | $2,934 |
40 | $2,884 |
50 | $2,756 |
60 | $2,732 |
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 | $70 |
Multi-vehicle | $72 |
Homeowner | $21 |
5-yr Accident Free | $96 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $58 |
Advance Quote | $65 |
Online Quote | $93 |
Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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