Volkswagen Golf Insurance Rates
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UPDATED: Jun 2, 2023
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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 for full coverage insurance. Comprehensive insurance costs an estimated $322, collision costs $626, and liability insurance is estimated at $372. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing $3,206 or more. Teens pay the most at $5,438 a year or more.
Average premium for full coverage: $1,478
Premium estimates broken down by type of coverage:
Prices include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Golf models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volkswagen Golf go from the low end price of $438 for just liability coverage to the much higher price of $3,206 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.
The example below illustrates how geographic area affects insurance prices.
These rate differences illustrate why everyone should get quotes for a targeted area, rather than relying on averaged prices.
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.
Detailed Rate Analysis
The chart below illustrates estimated Volkswagen Golf insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $840
- Choosing higher $1,000 deductibles can save approximately $216 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,478
- Selecting pricier low deductibles for comp and collision coverage will cost an additional $418 a year
- High-risk insureds with serious driving violations could pay up to $3,206 or more
- An auto insurance policy that insures a teen driver for full coverage can cost as much as $5,438 each year
Insurance prices for a Volkswagen Golf also have a wide range based on the model of your Golf, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,800 to $2,400 additional annually, depending on your age. Volkswagen Golf insurance for high-risk drivers ranges anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Volkswagen Golf insurance rates. A good driver about age 40 could pay as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,000 on average in Florida, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $640 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices will be substantially different.
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 the Right Volkswagen Golf Insurance
Finding better rates on Volkswagen Golf insurance takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.
The following is a quick rundown of the data presented in the illustrations above.
- Drivers who want higher liability limits will pay approximately $410 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
- It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $625 each year
- Teens are expensive to insure, with premiums being up to $453 per month if comprehensive and collision insurance 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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