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 insurance costs approximately $294, collision costs $596, and liability costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing $3,148 or more. 16-year-old drivers cost the most to insure at $5,408 a year or more.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should compare rates using their specific location and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

The chart below shows estimated Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $823
• Drivers who choose higher $1,000 deductibles will pay $202 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $396 annually
• Drivers with multiple tickets or accidents could pay around $3,148 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $5,408 a year

View Chart as Image

Insurance rates for a Volkswagen Golf also range considerably based on your risk profile, the trim level of your Golf, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or at least $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $600 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates will be varied from one company to the next.

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 Right Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the material that was covered above.

• Insureds who purchase more liability protection will pay around $440 each year to go from a 30/60 limit to 250/500 limits
• Youthful drivers are expensive to insure, costing up to $451 each month for full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,700 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $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.