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.

The average insurance rates for a Volkswagen Golf are $1,478 a year with full coverage. Comprehensive insurance costs an estimated $322, collision costs $626, and liability coverage is estimated at $372. A liability-only policy costs approximately $438 a year, with high-risk insurance costing $3,206 or more. Teenage drivers cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,478

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Volkswagen Golf insurance rates for other coverage scenarios.

• The best discount rate is $840
• Choosing higher $1,000 deductibles can save approximately $216 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,478
• Using pricier low deductibles for comp and collision coverage will cost an additional $418 each year
• Drivers who are prone to accidents and violations could pay up to $3,206 or more
• Policy cost that insures a teenage driver for full coverage can cost as much as $5,438 each year

View Chart as Image

Car insurance rates for a Volkswagen Golf also range considerably based on the model of your Golf, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,800 to $2,400 extra every year, depending on your age. Volkswagen Golf insurance for high-risk drivers ranges around 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen Golf insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,000 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $640 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Volkswagen Golf Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices every year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The items below are a review of the coverage data raised in the charts and tables above.

• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Teen drivers have the highest car insurance rates, as much as $453 each month if full coverage is purchased
• Drivers who have several accidents or serious violations could be forced to pay on average $1,730 more annually to insure their Golf

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.