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.
Estimated insurance rates for a Volkswagen Golf are $1,440 a year for full coverage insurance. Comprehensive costs an estimated $284, collision costs $582, and liability costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,138. 16-year-old drivers pay the most at $5,418 a year or more.
Average premium for full coverage: $1,440
Premium estimates broken down by type of coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Golf models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Golf go from the low end price of $474 for the bare minimum liability coverage to the much higher price of $3,138 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.
The example below illustrates the difference location can make on insurance prices.
These rate differences illustrate why everyone should compare rates for a targeted area, 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.
Additional Rate Information
The chart below illustrates estimated Volkswagen Golf insurance rates for other coverage scenarios.
- The best full coverage rate is $818
- Drivers who choose higher $1,000 deductibles will pay approximately $196 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,440
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,824
- Drivers with multiple tickets or accidents could pay up to $3,138 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $5,418 a year
Auto insurance prices for a Volkswagen Golf also have a wide range based on the model of your Golf, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,700 to $2,400 in extra premium annually, 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
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age
Where you choose to live makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,950 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $580 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Every company utilizes a different rate formula, and quoted prices will be substantially different.
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 Find Low Cost Volkswagen Golf Insurance
Finding better rates on insurance for a Volkswagen Golf not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop every other policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a review of the ideas that were touched on in this article.
- Youthful drivers are the costliest to insure, with premiums being up to $452 per month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,700 more annually than a low-risk driver
- Increasing policy deductibles can save approximately $575 each year
- It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
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.
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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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