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 insurance rates for a Volkswagen Golf are $1,446 a year for full coverage insurance. Comprehensive insurance costs an estimated $294 each year, collision costs $596, and liability costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing $3,148 or more. Teen drivers receive the highest rates at $5,408 a year or more.

Average premium for full coverage: $1,446

Rate estimates broken down by individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Golf models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $823
• Using higher $1,000 deductibles will save approximately $202 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,446
• Choosing low deductibles for physical damage coverage will cost an extra $396 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,148 or more
• The cost for full coverage for a 16-year-old driver can cost as much as $5,408 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $5,400 a year. View Rates by Age

Where you live has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see rates as low as $950 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 cut rates by as much as $600 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 Right Volkswagen Golf Insurance

Saving money on insurance for a Volkswagen Golf requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least every other year by requesting rates from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a quick rundown of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,700 more annually to insure their Golf
• It is possible to save approximately $180 per year simply by quoting online in advance
• Increasing deductibles can save around $600 each year
• Insureds who want more liability coverage will pay about $440 annually to increase from a minimum limit 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.