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.

Average insurance rates for a Volkswagen Golf are $1,478 a year for full coverage insurance. Comprehensive costs an estimated $322 a year, collision costs $626, and liability insurance costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing around $3,206. Teenage drivers receive the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,478

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

These examples illustrate why it is important to compare rates for a targeted area, rather than relying on average rates.

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

Additional Rate Information

The chart below illustrates estimated Volkswagen Golf insurance rates for other coverage scenarios.

• The best discount rate is $840
• Drivers who choose higher $1,000 deductibles will pay approximately $1,262 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,478
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,896
• High risk drivers who are prone to accidents and violations could pay up to $3,206 or more
• The cost that insures a teen driver can cost as much as $5,438 a year

View Chart as Image

Car insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $5,400 a year. View Rates by Age

Where you live makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,000 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $640 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly different.

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 Find Cheaper Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance not only requires being safe and accident-free, but also having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a condensed summary of the information covered in the charts and tables above.

• It is possible to save approximately $180 per year simply by quoting early and online
• Youthful drivers have the highest car insurance rates, costing up to $453 per month if full coverage is purchased
• Increasing deductibles can save approximately $625 each year
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,730 more annually than a low-risk driver
• Drivers who want more liability protection will pay an extra $410 annually to go from a minimum limit to the 250/500 level

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.