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 rates for a Volkswagen Golf are $1,478 a year including full coverage. Comprehensive costs an estimated $322, collision costs $626, and liability insurance costs $372. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing around $3,206. 16-year-old drivers pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,478

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Golf models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates how where you live affects insurance prices.

The ranges above highlight why everyone should compare rates for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $840
• Drivers who choose higher $1,000 deductibles will pay approximately $216 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,478
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,896
• High risk drivers with multiple tickets or accidents could pay up to $3,206 or more
• The price that insures a teen driver for full coverage can cost as much as $5,438 a year

View Chart as Image

Insurance prices for a Volkswagen Golf are also quite variable based on the model of your Golf, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,800 to $2,400 additional each year, depending on your age. Volkswagen Golf insurance for high-risk drivers can cost anywhere from 44% to 136% more than the average rate. 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 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age

The state you live in 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.

View Chart as Image

Opting for high physical damage deductibles could save up to $640 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different.

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 Affordable Volkswagen Golf Insurance

Getting lower rates on Volkswagen Golf insurance not only requires being a good driver, but also having a good credit score, being claim-free, and maximizing policy discounts. Comparison shop every time your policy renews by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief review of the information touched on in the above illustrations.

• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, possibly costing $453 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $625 each year
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,730 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay around $410 per year to go from a low limit to the 250/500 level

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.