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.

U.S. average insurance prices for a Volkswagen Golf are $1,446 every 12 months including full coverage. Comprehensive costs on average $294, collision costs $596, and liability insurance costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing around $3,148. Teenage drivers pay the highest rates at $5,408 a year or more.

Average premium for full coverage: $1,446

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Golf models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

The ranges above highlight why everyone should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The best discount rate is $823
• Using higher $1,000 deductibles will save around $202 every year
• The average price for the average middle-age driver with $500 deductibles is $1,446
• Using pricier low deductibles for physical damage coverage increases the price to $1,842
• Drivers who are prone to accidents and violations could pay upwards of $3,148 or more
• The price to insure a teen driver for full coverage may cost $5,408 or more

View Chart as Image

Insurance prices for a Volkswagen Golf are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Golf.

Using high physical damage deductibles could cut prices by as much as $600 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Volkswagen Golf insurance for high-risk drivers can be anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see prices as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

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 Shop for Cheap Volkswagen Golf Insurance

Getting lower rates on Volkswagen Golf insurance requires being a low-risk driver, having good credit, being claim-free, and bundling your home and auto policies. Invest the time to shop around every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief summary of the material that was illustrated above.

• Drivers who require more liability coverage will pay an extra $440 per year to increase from a low limit to a 250/500 level
• Teen drivers pay the highest prices, possibly costing $451 a month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,700 more each year to insure their Golf
• Increasing physical damage deductibles could save as much as $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.