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.
Average auto insurance rates for a Volkswagen Golf are $1,478 annually for full coverage. Comprehensive insurance costs around $322, collision costs $626, and liability is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $3,206 or more. 16-year-old drivers receive the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,478
Rate estimates for individual coverage type:
Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Golf models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $438 for minimum levels of liability insurance to the much higher price of $3,206 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than congested cities.
The example below illustrates how where you live affects auto insurance rates.
These examples show why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using rate averages.
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 Details
The chart below shows estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $840
- Choosing higher $1,000 deductibles can save about $216 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,478
- Buying pricier low deductibles for comp and collision coverage costs an additional $418 every year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,206 or more
- The cost with full coverage for a teen driver for full coverage can be $5,438 each year
Auto insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your driver profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,800 to $2,400 in extra premium per year, depending on your age. Volkswagen Golf insurance for high-risk drivers ranges as much as 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $640 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or at least $2,110 on average in Michigan, Louisiana, 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% |
With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different between companies.
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 Buy the Cheapest Volkswagen Golf Insurance
Saving money on car insurance takes being a good driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a recap of the primary concepts that were touched on in the above illustrations.
- Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers that have major violations or accidents pay an average of $1,730 more every year than a safer driver
- Increasing deductibles could save up to $625 each year
- Drivers age 16 to 20 are expensive to insure, costing as high as $453 per 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.
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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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