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 $1,440 a year for full coverage insurance. Comprehensive insurance costs on average $284, collision insurance costs $582, and liability insurance is estimated at $416. A liability-only policy costs approximately $474 a year, and high-risk insurance costs $3,138 or more. Teens cost the most to insure at up to $5,418 a year.

Average premium for full coverage: $1,440

Policy rates by type of insurance:

These estimates include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why everyone should get quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $818
• Choosing higher $1,000 deductibles can save around $196 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,440
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $384 a year
• High-risk insureds with serious driving violations could pay upwards of $3,138
• Policy cost for full coverage for a teen driver for full coverage may cost $5,418 each year

View Chart as Image

Car insurance rates for a Volkswagen Golf also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

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 $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Volkswagen Golf insurance for high-risk drivers ranges anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

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 Cheap Volkswagen Golf Insurance

Finding cheaper rates on Volkswagen Golf insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief summary of the material that was covered above.

• Drivers who require higher liability limits will pay approximately $460 annually to raise limits from a 30/60 limit to 250/500 limits
• Teens are expensive to insure, possibly costing $452 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations pay an average of $1,700 more each year for Golf insurance
• Increasing comprehensive and collision deductibles can save around $575 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.