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 auto insurance rates for a Volkswagen Golf are $1,446 annually including full coverage. Comprehensive insurance costs approximately $294, collision insurance costs $596, and liability insurance is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,148 or more. Teens cost the most to insure at up to $5,408 a year.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Details

The chart below breaks down average Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $823
• Choosing higher $1,000 deductibles can save $202 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $396 a year
• High-risk insureds with serious driving violations could pay around $3,148
• Policy cost with full coverage for a teen driver with full coverage can cost $5,408 each year

View Chart as Image

Insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage 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 without any violations or accidents they should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy the Cheapest Volkswagen Golf Insurance

Finding cheaper rates on Volkswagen Golf insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a recap of the concepts that were touched on in the above illustrations.

• High-risk drivers that have major violations or accidents may have to pay on average $1,700 more per year for Golf insurance
• Teens are the costliest to insure, with premiums being up to $451 each month if they have full coverage
• You may be able to save around $180 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• You may be able to save around $180 per year just by shopping early and online

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.