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.

The average insurance rates for a Volkswagen Golf are $1,446 a year for full coverage. Comprehensive costs approximately $294 a year, collision insurance costs $596, and liability is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs around $3,148. Teenage drivers cost the most to insure at up to $5,408 a year.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows 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 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,446
• Using low $100 deductibles bumps up the cost to $1,842
• Drivers who are prone to accidents and violations could pay around $3,148
• Policy cost that insures a 16-year-old driver can cost $5,408

View Chart as Image

Car insurance rates for a Volkswagen Golf also range considerably based on the trim level of your Golf, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 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 low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

Your home state also has a big influence on Volkswagen Golf insurance prices. A middle-age driver might find rates as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by 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 Cheapest Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf consists of avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare prices at least once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a recap of the primary concepts that were covered above.

• Drivers can save around $180 per year just by quoting early and online
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,700 more per year to insure a Volkswagen Golf
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers under the age of 20 pay the highest auto insurance rates, costing up to $451 each month if full coverage is purchased

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.