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 rates for a Volkswagen Golf are $1,478 a year for full coverage. Comprehensive insurance costs around $322, collision costs $626, and liability coverage costs around $372. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing $3,206 or more. Teens cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,478

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code, rather than using averaged prices.

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

More Rate Details

The chart below shows estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $840
• Using higher $1,000 deductibles will save about $216 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,478
• Selecting pricier low deductibles for physical damage coverage will cost an additional $418 each year
• Higher-risk drivers with serious driving violations could pay at least $3,206 or more
• Policy cost that insures a teenage driver for full coverage can be $5,438 or more

View Chart as Image

Insurance rates for a Volkswagen Golf also range considerably based on the model of your Golf, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,800 to $2,400 extra every year, depending on your age. Volkswagen Golf insurance for high-risk drivers can be around 44% to 136% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

Your home state has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,110 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $640 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, so the rates will be varied.

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 More Affordable Volkswagen Golf Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates at least once a year by getting quotes from direct carriers, and also from several local insurance agents.

The points below are a summary of the primary concepts that were touched on above.

• Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date
• Drivers who have multiple accidents or major violations pay on average $1,730 more every year to insure a Volkswagen Golf
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Drivers under the age of 20 pay higher rates, costing up to $453 each month if full coverage is included

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.