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 prices for a Volkswagen Golf are $1,454 every 12 months for full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $600, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs $3,162 or more. Teenage drivers cost the most to insure at up to $5,402 a year.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below shows average Volkswagen Golf insurance rates for other coverage scenarios.

• The best discount rate is $826
• Choosing higher $1,000 deductibles can save approximately $204 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,454
• Using more expensive low deductibles for comp and collision coverage costs an extra $404 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,162
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,402 each year

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Car insurance rates for a Volkswagen Golf also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $610 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,080 on average in New York, Louisiana, and Michigan.

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Insurance Rates by Trim Level and Model Year

Rates assume 2024 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 Low Cost Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf takes not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

The following is a review of the concepts that were illustrated above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,710 more annually for Golf insurance
• Teens have the highest car insurance rates, costing up to $450 each month if the policy includes full coverage
• Drivers can save approximately $180 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers can save approximately $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.