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.

U.S. average auto insurance rates for a Volkswagen Golf are $1,446 annually including full coverage. Comprehensive insurance costs on average $294 a year, collision insurance costs $596, and liability insurance costs around $398. A policy with just liability insurance costs as low as $460 a year, and coverage for high-risk drivers costs $3,148 or more. 16-year-old drivers pay the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,446

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Golf trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $823
• Using higher $1,000 deductibles will save around $1,244 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,446
• Buying low $100 deductibles for physical damage coverage costs an additional $396 a year
• Drivers with multiple tickets or accidents could pay upwards of $3,148
• The price with full coverage for a teen driver may cost $5,408 or more

View Chart as Image

Insurance prices for a Volkswagen Golf are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $600 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see prices as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

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

Getting lower rates on Volkswagen Golf insurance requires being a low-risk driver, having a good credit history, being claim-free, and determing if full coverage is necessary. Invest time comparing rates once a year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief review of the data that was covered in the charts and tables above.

• You may be able to save as much as $180 per year just by quoting early and online
• Drivers who require more liability coverage will pay around $440 per year to increase from a low limit to higher 250/500 limits
• Teen drivers pay the highest prices, possibly costing $451 a month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions pay on average $1,700 more each year to insure their Golf

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.