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 $1,446 a year with full coverage. Comprehensive insurance costs an estimated $294 a year, collision insurance costs $596, and liability insurance costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs $3,148 or more. 16-year-old drivers cost the most to insure at up to $5,408 a year.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $823
• Using higher $1,000 deductibles will save approximately $1,244 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,446
• Buying low $100 deductibles for physical damage coverage will cost an additional $396 a year
• Drivers with multiple tickets or accidents could pay up to $3,148
• Policy cost that insures a teen driver can cost as much as $5,408 or more

View Chart as Image

Insurance rates for a Volkswagen Golf also range considerably based on the trim level of your Golf, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $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 $1,040 a year in states like Utah, Ohio, and New Hampshire, or at least $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $600 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

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 Find Cheaper Volkswagen Golf Insurance

Finding cheaper rates on Volkswagen Golf insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct companies, and also from insurance agencies where you live.

The list below is a condensed summary of the material that was touched on in this article.

• Drivers who want higher liability limits will pay around $440 every year to increase from a 30/60 limit to the 250/500 level
• Teenagers are charged the highest rates, as much as $451 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,700 more annually for car insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year

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.