Volkswagen Golf Insurance Rates
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UPDATED: Apr 3, 2024
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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 rates for a Volkswagen Golf are $1,478 a year with full coverage. Comprehensive insurance costs on average $322, collision insurance costs $626, and liability costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs $3,206 or more. Teenage drivers pay the highest rates at up to $5,438 a year.
Average premium for full coverage: $1,478
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Golf models.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Golf insurance prices range from as low as $438 for just the minimum liability insurance to the much higher price of $3,206 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities. The example below illustrates how your location can change car insurance rates.
The ranges above demonstrate why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details average Volkswagen Golf insurance rates for different risk profiles and scenarios.
- The best discount rate is $840
- Drivers who choose higher $1,000 deductibles will pay around $216 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,478
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $418 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,206
- The price for full coverage for a 16-year-old driver for full coverage may cost $5,438 a year
Insurance prices for a Volkswagen Golf are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age
The state you live in makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,000 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,334 | -$144 | -9.7% |
Alaska | $1,134 | -$344 | -23.3% |
Arizona | $1,224 | -$254 | -17.2% |
Arkansas | $1,478 | -$0 | 0.0% |
California | $1,682 | $204 | 13.8% |
Colorado | $1,412 | -$66 | -4.5% |
Connecticut | $1,518 | $40 | 2.7% |
Delaware | $1,674 | $196 | 13.3% |
Florida | $1,850 | $372 | 25.2% |
Georgia | $1,366 | -$112 | -7.6% |
Hawaii | $1,060 | -$418 | -28.3% |
Idaho | $1,000 | -$478 | -32.3% |
Illinois | $1,102 | -$376 | -25.4% |
Indiana | $1,112 | -$366 | -24.8% |
Iowa | $998 | -$480 | -32.5% |
Kansas | $1,406 | -$72 | -4.9% |
Kentucky | $2,014 | $536 | 36.3% |
Louisiana | $2,188 | $710 | 48.0% |
Maine | $912 | -$566 | -38.3% |
Maryland | $1,220 | -$258 | -17.5% |
Massachusetts | $1,184 | -$294 | -19.9% |
Michigan | $2,566 | $1,088 | 73.6% |
Minnesota | $1,238 | -$240 | -16.2% |
Mississippi | $1,770 | $292 | 19.8% |
Missouri | $1,310 | -$168 | -11.4% |
Montana | $1,588 | $110 | 7.4% |
Nebraska | $1,166 | -$312 | -21.1% |
Nevada | $1,772 | $294 | 19.9% |
New Hampshire | $1,064 | -$414 | -28.0% |
New Jersey | $1,652 | $174 | 11.8% |
New Mexico | $1,308 | -$170 | -11.5% |
New York | $1,556 | $78 | 5.3% |
North Carolina | $852 | -$626 | -42.4% |
North Dakota | $1,210 | -$268 | -18.1% |
Ohio | $1,020 | -$458 | -31.0% |
Oklahoma | $1,518 | $40 | 2.7% |
Oregon | $1,352 | -$126 | -8.5% |
Pennsylvania | $1,410 | -$68 | -4.6% |
Rhode Island | $1,970 | $492 | 33.3% |
South Carolina | $1,340 | -$138 | -9.3% |
South Dakota | $1,248 | -$230 | -15.6% |
Tennessee | $1,296 | -$182 | -12.3% |
Texas | $1,780 | $302 | 20.4% |
Utah | $1,094 | -$384 | -26.0% |
Vermont | $1,012 | -$466 | -31.5% |
Virginia | $884 | -$594 | -40.2% |
Washington | $1,142 | -$336 | -22.7% |
West Virginia | $1,354 | -$124 | -8.4% |
Wisconsin | $1,022 | -$456 | -30.9% |
Wyoming | $1,316 | -$162 | -11.0% |
Using high physical damage deductibles could save up to $640 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,400 additional each year, depending on your age. Volkswagen Golf insurance for high-risk drivers can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Volkswagen Golf 2.5 2-Dr Hatchback | $1,418 | $118 |
Volkswagen Golf 2.5 4-Dr Hatchback | $1,414 | $118 |
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,522 | $127 |
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,504 | $125 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Volkswagen Golf | $322 | $626 | $372 | $1,478 |
2023 Volkswagen Golf | $306 | $600 | $390 | $1,454 |
2022 Volkswagen Golf | $294 | $596 | $398 | $1,446 |
2021 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
2020 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
2019 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
2018 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
2017 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
2016 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
2015 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
2012 Volkswagen Golf | $186 | $316 | $474 | $1,134 |
2004 Volkswagen Golf | $132 | $180 | $442 | $912 |
Rates are averaged for all Volkswagen Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Volkswagen Golf Insurance
Getting lower rates on insurance for a Volkswagen Golf not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.
The items below are a review of the information illustrated above.
- You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
- Teen drivers pay higher prices, costing up to $453 a month including comprehensive and collision insurance
- Increasing physical damage deductibles can save around $625 each year
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,730 more each year to insure their Golf
- Insureds who require more liability coverage will pay an extra $410 every year to go from a low limit to 250/500 limits
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,438 |
20 | $3,428 |
30 | $1,550 |
40 | $1,478 |
50 | $1,350 |
60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,896 |
$250 | $1,702 |
$500 | $1,478 |
$1,000 | $1,262 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,478 |
50/100 | $1,578 |
100/300 | $1,671 |
250/500 | $1,913 |
100 CSL | $1,616 |
300 CSL | $1,820 |
500 CSL | $1,969 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,778 |
20 | $5,450 |
30 | $3,282 |
40 | $3,206 |
50 | $3,058 |
60 | $3,030 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $79 |
Multi-vehicle | $77 |
Homeowner | $21 |
5-yr Accident Free | $113 |
5-yr Claim Free | $96 |
Paid in Full/EFT | $71 |
Advance Quote | $75 |
Online Quote | $106 |
Total Discounts | $638 |
Discounts are estimated and may not be available from every company or in every state.
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