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.

U.S. average insurance rates for a Volkswagen Golf are $1,446 a year for full coverage. Comprehensive insurance costs approximately $294, collision insurance costs $596, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs $3,148 or more. Teenage drivers pay the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,446

Price estimates by individual coverage:

Includes $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all Golf models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

The ranges above show why everyone should compare prices using their specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below shows average Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The best discount rate is $823
• Using higher $1,000 deductibles will save $202 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,446
• Using pricier low deductibles for physical damage coverage will cost an extra $396 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,148
• The price for full coverage for a teenage driver for full coverage can cost $5,408 or more

View Chart as Image

Car insurance prices for a Volkswagen Golf are also quite variable based on your driving record, the trim level of your Golf, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $600 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,400 extra each year, depending on your age. Volkswagen Golf insurance for high-risk drivers can be around 44% to 131% more than a normal policy. View High Risk Driver Rates

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 the Cheapest Volkswagen Golf Insurance

Getting lower rates on auto insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and attention to physical damage deductibles. Make time to compare rates every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a recap of the material that was touched on in this article.

• Consumers who purchase increased levels of liability coverage will pay an extra $440 each year to increase from a low limit to 250/500 limits
• Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $451 a month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,700 more per year to buy Volkswagen Golf insurance
• Increasing physical damage deductibles can save around $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.