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.

Average auto insurance rates for a Volkswagen Golf are $1,478 annually for full coverage. Comprehensive insurance costs on average $322, collision insurance costs $626, and liability insurance is estimated at $372. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs $3,206 or more. Teenage drivers receive the highest rates at up to $5,438 a year.

Average premium for full coverage: $1,478

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, 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

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.

These examples show why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

The chart below shows average Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The best discount rate is $840
• Choosing higher $1,000 deductibles can save around $216 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,478
• Using pricier low deductibles for comp and collision coverage costs an additional $418 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,206
• The cost with full coverage for a teen driver for full coverage may cost $5,438 each year

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Car insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your driver profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $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 a minimum $1,800 to $2,400 extra per year, depending on your age. Volkswagen Golf insurance for high-risk drivers ranges anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

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

Where you 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 Idaho, Maine, and Iowa, or be forced to pay as much as $2,110 on average in Michigan, Louisiana, and New York.

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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 Buy the Best Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance takes being safe and accident-free, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Make time to compare rates once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below you'll find a brief recap of the data that was touched on in this article.

• Drivers can save as much as $180 per year just by quoting online well ahead of the renewal date
• Drivers who require more liability protection will pay an extra $410 each year to raise limits from a minimum limit to higher 250/500 limits
• Youthful drivers are expensive to insure, costing as high as $453 per month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,730 more each year than a low-risk driver

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.