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 prices for a Volkswagen Golf are $1,446 every 12 months with full coverage. Comprehensive insurance costs on average $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:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Golf trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using average rates.

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

Additional Charts and Tables

The chart below details average Volkswagen Golf insurance rates for different risk profiles and scenarios.

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

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

Using high physical damage deductibles could cut prices by as much as $600 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability 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

An older driver with no driving violations and higher deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance can be around 44% to 131% more than a normal policy. View High Risk Driver Rates

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 $1,040 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,950 on average in Florida, Michigan, and New York.

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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 Shop for the Right Volkswagen Golf Insurance

Getting lower rates on auto insurance requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the ideas that were covered in the above illustrations.

• Drivers age 16 to 20 are expensive to insure, costing up to $451 a month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,700 more each year than a safer driver
• Increasing physical damage deductibles could save as much as $600 each year
• You may be able to save as much as $180 per year just by shopping early and online

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.