Volkswagen Golf Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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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 $1,440 annually including full coverage. Comprehensive costs around $284 each year, collision costs $582, and liability is estimated at $416. A policy with just liability insurance costs approximately $474 a year, with coverage for high-risk drivers costing around $3,138. 16-year-old drivers pay the highest rates at $5,418 a year or more.
Average premium for full coverage: $1,440
Price estimates for individual coverage:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Golf models.
Price Range from Low to High
For an average driver, Volkswagen Golf insurance prices go from as cheap as $474 for just liability insurance to a high rate of $3,138 for high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The ranges above highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $818
- Choosing higher $1,000 deductibles can save about $196 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,440
- Buying low deductibles for comp and collision coverage will cost $1,824
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,138 or more
- The price with full coverage for a 16-year-old driver can be $5,418 each year
Insurance prices for a Volkswagen Golf are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $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 least $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $580 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,060 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,302 | -$138 | -9.6% |
| Alaska | $1,106 | -$334 | -23.2% |
| Arizona | $1,196 | -$244 | -16.9% |
| Arkansas | $1,440 | -$0 | 0.0% |
| California | $1,640 | $200 | 13.9% |
| Colorado | $1,378 | -$62 | -4.3% |
| Connecticut | $1,482 | $42 | 2.9% |
| Delaware | $1,630 | $190 | 13.2% |
| Florida | $1,802 | $362 | 25.1% |
| Georgia | $1,330 | -$110 | -7.6% |
| Hawaii | $1,034 | -$406 | -28.2% |
| Idaho | $974 | -$466 | -32.4% |
| Illinois | $1,074 | -$366 | -25.4% |
| Indiana | $1,084 | -$356 | -24.7% |
| Iowa | $972 | -$468 | -32.5% |
| Kansas | $1,370 | -$70 | -4.9% |
| Kentucky | $1,966 | $526 | 36.5% |
| Louisiana | $2,132 | $692 | 48.1% |
| Maine | $888 | -$552 | -38.3% |
| Maryland | $1,188 | -$252 | -17.5% |
| Massachusetts | $1,152 | -$288 | -20.0% |
| Michigan | $2,502 | $1,062 | 73.8% |
| Minnesota | $1,204 | -$236 | -16.4% |
| Mississippi | $1,724 | $284 | 19.7% |
| Missouri | $1,278 | -$162 | -11.3% |
| Montana | $1,548 | $108 | 7.5% |
| Nebraska | $1,136 | -$304 | -21.1% |
| Nevada | $1,726 | $286 | 19.9% |
| New Hampshire | $1,038 | -$402 | -27.9% |
| New Jersey | $1,610 | $170 | 11.8% |
| New Mexico | $1,276 | -$164 | -11.4% |
| New York | $1,518 | $78 | 5.4% |
| North Carolina | $830 | -$610 | -42.4% |
| North Dakota | $1,178 | -$262 | -18.2% |
| Ohio | $996 | -$444 | -30.8% |
| Oklahoma | $1,478 | $38 | 2.6% |
| Oregon | $1,318 | -$122 | -8.5% |
| Pennsylvania | $1,372 | -$68 | -4.7% |
| Rhode Island | $1,920 | $480 | 33.3% |
| South Carolina | $1,304 | -$136 | -9.4% |
| South Dakota | $1,216 | -$224 | -15.6% |
| Tennessee | $1,260 | -$180 | -12.5% |
| Texas | $1,736 | $296 | 20.6% |
| Utah | $1,066 | -$374 | -26.0% |
| Vermont | $986 | -$454 | -31.5% |
| Virginia | $862 | -$578 | -40.1% |
| Washington | $1,114 | -$326 | -22.6% |
| West Virginia | $1,320 | -$120 | -8.3% |
| Wisconsin | $996 | -$444 | -30.8% |
| Wyoming | $1,284 | -$156 | -10.8% |
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Golf 2.5 2-Dr Hatchback | $1,386 | $116 |
| Volkswagen Golf 2.5 4-Dr Hatchback | $1,382 | $115 |
| Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,480 | $123 |
| Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,464 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf | $294 | $596 | $398 | $1,446 |
| 2023 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
| 2022 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
| 2021 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
| 2020 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
| 2019 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
| 2018 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
| 2017 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
| 2016 Volkswagen Golf | $206 | $364 | $464 | $1,192 |
| 2015 Volkswagen Golf | $202 | $340 | $474 | $1,174 |
| 2012 Volkswagen Golf | $170 | $262 | $474 | $1,064 |
Rates are averaged for all Volkswagen Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Volkswagen Golf Insurance
Getting lower rates on insurance for a Volkswagen Golf takes having a decent driving record, having a good credit history, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a condensed summary of the material that was covered in the above illustrations.
- Insureds who may need additional liability coverage will pay around $460 per year to raise limits from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers pay higher prices, possibly costing $452 a month including comprehensive and collision insurance
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,700 more every year than a driver with a clean driving record
- Increasing physical damage deductibles could save up to $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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,418 |
| 20 | $3,358 |
| 30 | $1,502 |
| 40 | $1,440 |
| 50 | $1,318 |
| 60 | $1,294 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,824 |
| $250 | $1,646 |
| $500 | $1,440 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,440 |
| 50/100 | $1,547 |
| 100/300 | $1,651 |
| 250/500 | $1,922 |
| 100 CSL | $1,589 |
| 300 CSL | $1,818 |
| 500 CSL | $1,984 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,738 |
| 20 | $5,350 |
| 30 | $3,208 |
| 40 | $3,138 |
| 50 | $2,996 |
| 60 | $2,970 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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