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 including full coverage. Comprehensive insurance costs approximately $294 a year, collision insurance costs $596, and liability is $398. A policy with only liability insurance costs around $460 a year, and a high-risk policy costs $3,148 or more. Teenage drivers pay the most at up to $5,408 a year.

Average premium for full coverage: $1,446

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Golf trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

These rate differences highlight why it is important to compare rates quotes using their specific location, instead of using average rates.

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

More Rate Information

The chart below breaks down average Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The best discount rate is $823
• Raising to $1,000 deductibles will save $1,244 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,446
• Using low $100 deductibles will cost an additional $396 every year
• At-risk drivers who are prone to accidents and violations could pay around $3,148
• An auto insurance policy that insures a teen driver can cost $5,408

View Chart as Image

Car insurance prices for a Volkswagen Golf also have a wide range based on the trim level of your Golf, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Volkswagen Golf insurance prices. A middle-age driver might find prices as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $600 every year, while buying higher liability limits will push prices upward. Changing 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

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 Best Cheap Volkswagen Golf Insurance

Finding better rates on car insurance consists of being a good driver, having a positive credit history, refrain from filing small claims, and attention to physical damage deductibles. Compare prices every couple of years by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a quick review of the material that was illustrated above.

• Policyholders who purchase an increased level of liability coverage will pay an extra $440 per year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 pay the highest auto insurance prices, with the cost nearing $451 per month if full coverage is purchased
• Higher risk drivers with a DUI or reckless driving violation will likely pay on average $1,700 more per year than a safer driver
• Increasing policy deductibles can save approximately $600 each year

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.