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.
Estimated insurance rates for a Volkswagen Golf are $1,478 a year including full coverage. Comprehensive insurance costs approximately $322 each year, collision costs $626, and liability insurance costs $372. A policy with only liability insurance costs as little as $438 a year, with a high-risk policy costing $3,206 or more. 16-year-old drivers pay the most at $5,438 a year or more.
Average premium for full coverage: $1,478
Premium estimates by type of coverage:
Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Golf models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Volkswagen Golf go from as low as $438 for your basic liability-only policy to a high rate of $3,206 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates how your location can change auto insurance prices.
These rate differences highlight why all drivers should compare rates using their specific location and risk profile, rather than relying on 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.
More Rate Information
The chart below breaks down estimated Volkswagen Golf insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $840
- Drivers who choose higher $1,000 deductibles will pay $216 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,478
- Buying low deductibles for comprehensive and collision insurance will cost an extra $418 a year
- High risk drivers with multiple tickets or accidents could pay around $3,206 or more
- An auto insurance policy for full coverage for a teen driver can cost $5,438 a year
Car insurance prices for a Volkswagen Golf also have a wide range based on your driving characteristics, the model of your Golf, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age
Where you choose to live makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,110 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $640 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
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 More Affordable Volkswagen Golf Insurance
Finding better rates on Volkswagen Golf insurance not only requires being a safe and courteous driver, but also having above-average credit, refrain from filing small claims, and avoiding coverage lapses. Invest the time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a summary of the ideas that were illustrated above.
- Teenage drivers pay the highest auto insurance prices, with the cost nearing $453 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,730 more per year for auto insurance
- Increasing policy deductibles can save around $625 each year
- You may be able to save around $180 per year simply by quoting online in advance
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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