Volkswagen Golf Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Average insurance rates for a Volkswagen Golf are $1,446 a year for full coverage insurance. Comprehensive costs on average $294, collision costs $596, and liability is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing around $3,148. 16-year-old drivers receive the highest rates at $5,408 a year or more.

Average premium for full coverage: $1,446

Rate estimates by individual coverage type:

Comprehensive $294
Collision $596
Liability $398

Estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Golf trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $460 for a discount liability-only rate to a much higher rate of $3,148 for high-risk insurance.

Liability Only $460
Full Coverage $1,446
High Risk $3,148

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using 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.

Rates by State, City, and Model

The chart below illustrates estimated Volkswagen Golf insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $823
  • Raising to $1,000 deductibles will save around $202 each year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,446
  • Buying more expensive low deductibles will increase the cost to $1,842
  • At-risk drivers with multiple tickets or accidents could pay upwards of $3,148 or more
  • The cost for full coverage for a teen driver with full coverage may cost $5,408

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing full coverage Volkswagen Golf insurance rates range from $823 to $5,408

Insurance rates for a Volkswagen Golf can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,400 a year. View Rates by Age

Where you live also has a big influence on Volkswagen Golf insurance prices. A middle-age driver might find rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$138 -9.5%
Alaska $1,110 -$336 -23.2%
Arizona $1,200 -$246 -17.0%
Arkansas $1,446 -$0 0.0%
California $1,650 $204 14.1%
Colorado $1,382 -$64 -4.4%
Connecticut $1,488 $42 2.9%
Delaware $1,636 $190 13.1%
Florida $1,810 $364 25.2%
Georgia $1,336 -$110 -7.6%
Hawaii $1,040 -$406 -28.1%
Idaho $980 -$466 -32.2%
Illinois $1,080 -$366 -25.3%
Indiana $1,090 -$356 -24.6%
Iowa $976 -$470 -32.5%
Kansas $1,376 -$70 -4.8%
Kentucky $1,976 $530 36.7%
Louisiana $2,142 $696 48.1%
Maine $894 -$552 -38.2%
Maryland $1,192 -$254 -17.6%
Massachusetts $1,158 -$288 -19.9%
Michigan $2,514 $1,068 73.9%
Minnesota $1,210 -$236 -16.3%
Mississippi $1,734 $288 19.9%
Missouri $1,286 -$160 -11.1%
Montana $1,554 $108 7.5%
Nebraska $1,142 -$304 -21.0%
Nevada $1,734 $288 19.9%
New Hampshire $1,044 -$402 -27.8%
New Jersey $1,618 $172 11.9%
New Mexico $1,282 -$164 -11.3%
New York $1,526 $80 5.5%
North Carolina $836 -$610 -42.2%
North Dakota $1,184 -$262 -18.1%
Ohio $1,000 -$446 -30.8%
Oklahoma $1,488 $42 2.9%
Oregon $1,326 -$120 -8.3%
Pennsylvania $1,380 -$66 -4.6%
Rhode Island $1,930 $484 33.5%
South Carolina $1,312 -$134 -9.3%
South Dakota $1,220 -$226 -15.6%
Tennessee $1,268 -$178 -12.3%
Texas $1,744 $298 20.6%
Utah $1,072 -$374 -25.9%
Vermont $992 -$454 -31.4%
Virginia $866 -$580 -40.1%
Washington $1,120 -$326 -22.5%
West Virginia $1,326 -$120 -8.3%
Wisconsin $1,002 -$444 -30.7%
Wyoming $1,288 -$158 -10.9%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $600 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Volkswagen Golf Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Golf 2.5 2-Dr Hatchback $1,392 $116
Volkswagen Golf 2.5 4-Dr Hatchback $1,386 $116
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,488 $124
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,472 $123

Rates assume 2023 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.

Volkswagen Golf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Golf $306 $600 $390 $1,454
2023 Volkswagen Golf $294 $596 $398 $1,446
2022 Volkswagen Golf $284 $582 $416 $1,440
2021 Volkswagen Golf $274 $558 $430 $1,420
2020 Volkswagen Golf $260 $538 $442 $1,398
2019 Volkswagen Golf $250 $500 $452 $1,360
2018 Volkswagen Golf $240 $470 $456 $1,324
2017 Volkswagen Golf $230 $422 $460 $1,270
2016 Volkswagen Golf $214 $388 $460 $1,220
2015 Volkswagen Golf $206 $364 $464 $1,192
2012 Volkswagen Golf $182 $286 $478 $1,104

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 Low Cost Volkswagen Golf Insurance

Saving money on car insurance consists of being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below is a review of the material that was covered in the above illustrations.

  • Policyholders who require higher levels of liability will pay around $440 annually to raise from a minimum limit to 250/500 limits
  • Teenage drivers pay the highest rates, costing up to $451 per month for full coverage
  • Higher risk drivers who have several accidents or serious violations pay an average of $1,700 more each year for auto insurance
  • Increasing deductibles can save around $600 each year

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. 

Rates by Driver Age

Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $5,408
20 $3,372
30 $1,514
40 $1,446
50 $1,322
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,842
$250 $1,658
$500 $1,446
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,552
100/300 $1,651
250/500 $1,910
100 CSL $1,591
300 CSL $1,810
500 CSL $1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,726
20 $5,364
30 $3,222
40 $3,148
50 $3,006
60 $2,982

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.

SR-22 Surcharge $206

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $110
5-yr Claim Free $94
Paid in Full/EFT $68
Advance Quote $73
Online Quote $103
Total Discounts $623
Rate after discounts $823

Discounts are estimated and may not be available from every company or in every state.

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