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 prices for a Volkswagen Golf are $1,446 every 12 months with full coverage. Comprehensive insurance costs around $294 a year, collision costs $596, and liability insurance costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing $3,148 or more. Teen drivers cost the most to insure at $5,408 a year or more.

Average premium for full coverage: $1,446

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Details

The chart below details estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $823
• Using higher $1,000 deductibles will save about $1,244 annually
• The average price for a good driver age 40 using $500 deductibles is $1,446
• Choosing low $100 deductibles for physical damage coverage costs an extra $396 a year
• Drivers with multiple violations and an at-fault accident could pay at least $3,148 or more
• Policy cost to insure a teen driver can be $5,408 or more

View Chart as Image

Car insurance rates for a Volkswagen Golf also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $600 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than average. View High Risk Driver Rates

Your home state has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,950 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Cheap Volkswagen Golf Insurance

Finding cheaper rates on Volkswagen Golf insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting quotes from direct companies, and also from several local insurance agents.

The list below is a brief summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations pay on average $1,700 more every year for car insurance
• You may be able to save up to $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers who may need higher liability limits will pay about $440 every year to increase from a 30/60 limit to a 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.