UPDATED: Jul 31, 2020
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- Full coverage costs around $1,478 a year or $123 each month
- A liability-only policy costs around $593 a year or $49 each month
- Highest rates are for teenage drivers at around $5,402 a year or $450 each month
- Good drivers can save as much as $609 a year by earning policy discounts
- Volkswagen Golf insurance costs around $41 less per year than the average vehicle
Volkswagen Golf insurance rates don’t need to be complicated or expensive. Good drivers can save as much as $609 a year by earning policy discounts. Learn how to save in our comprehensive guide to insurance rates for a Volkswagen Golf.
You can start comparing quotes for Volkswagen Golf car insurance rates from some of the best car insurance companies by using our free online tool now.
Volkswagen Golf Insurance Cost
The average Volkswagen Golf car insurance rates are $1,478 a year or $123 a month.
Are Volkswagen Golfs Expensive to Insure?
The chart below details how Volkswagen Golf insurance rates compare to other subcompact hatchbacks like the Volkswagen Golf R, Honda Fit, and Mitsubishi Mirage.
|Volkswagen Golf R||$372||$660||$390||$1,580|
|Ford Focus RS||$332||$656||$398||$1,544|
However, there are a few things you can do to find the cheapest Volkswagen insurance rates online.
What Impacts the Cost of Volkswagen Golf Insurance?
The Volkswagen Golf trim and model you choose can impact the total price you will pay for Volkswagen Golf insurance coverage.
Age of the Vehicle
The average Volkswagen Golf car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Volkswagen Golf are $1,478, while 2010 Volkswagen Golf rates are $1,192, a difference of $286.
|2020 Volkswagen Golf||$322||$626||$372||$1,478|
|2019 Volkswagen Golf||$306||$600||$390||$1,454|
|2018 Volkswagen Golf||$294||$596||$398||$1,446|
|2017 Volkswagen Golf||$284||$582||$416||$1,440|
|2016 Volkswagen Golf||$274||$558||$430||$1,420|
|2015 Volkswagen Golf||$260||$538||$442||$1,398|
|2014 Volkswagen Golf||$250||$500||$452||$1,360|
|2013 Volkswagen Golf||$240||$470||$456||$1,324|
|2012 Volkswagen Golf||$230||$422||$460||$1,270|
|2011 Volkswagen Golf||$214||$388||$460||$1,220|
|2010 Volkswagen Golf||$206||$364||$464||$1,192|
Driver age can have a significant effect on Volkswagen Golf car insurance rates. For example, 20-year-old drivers pay $1,808 more for their Volkswagen Golf car insurance each year than 30-year-old drivers.
Where you live can have a large impact on Volkswagen Golf insurance rates. For example, drivers in Los Angeles may pay $546 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on the cost of Volkswagen Golf car insurance. Teens and drivers in their 20’s see the highest jump in their Volkswagen Golf car insurance with violations on their driving record.
Volkswagen Golf Safety Ratings
Your Volkswagen Golf auto insurance rates are tied to the Volkswagen Golf’s safety ratings. See the breakdown below:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Acceptable|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
Volkswagen Golf Crash Test Ratings
Good Volkswagen Golf crash test ratings mean the VW is safer, which could mean cheaper Volkswagen Golf car insurance rates.
|2020 Volkswagen Golf GTI 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2020 Volkswagen Golf 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2019 Volkswagen Golf Sportwagen SW FWD||5 stars||4 stars||5 stars||4 stars|
|2019 Volkswagen Golf R 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2019 Volkswagen Golf GTI 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2019 Volkswagen Golf 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2018 Volkswagen Golf Sportwagen SW FWD||5 stars||4 stars||5 stars||4 stars|
|2018 Volkswagen Golf R 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2018 Volkswagen Golf GTI 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2018 Volkswagen Golf 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Volkswagen Golf Sportwagen SW FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Volkswagen Golf Sportwagen SW AWD||5 stars||4 stars||5 stars||4 stars|
|2017 Volkswagen Golf R 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2017 Volkswagen Golf GTI 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Volkswagen Golf GTI 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Volkswagen Golf 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2016 Volkswagen Golf Sportwagen SW FWD||5 stars||4 stars||5 stars||4 stars|
|2016 Volkswagen Golf R 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2016 Volkswagen Golf GTI 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2016 Volkswagen Golf GTI 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2016 Volkswagen Golf 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2016 Volkswagen Golf 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration|
Volkswagen Golf Safety Features
The more safety features you have on your Volkswagen Golf, the more likely it is that you can earn a discount. The Volkswagen Golf’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
Volkswagen Golf Insurance Loss Probability
Another contributing factor that affects Volkswagen Golf car insurance rates is the loss probability for each type of coverage.
|Insurance Coverage Category||Loss Rate|
|Property Damage||no data|
|Personal Injury||no data|
|Medical Payment||no data|
|Bodily Injury||no data|
|Source: Insurance Institute for Highway Safety|
Volkswagen Golf Finance and Insurance Cost
If you are financing a Volkswagen Golf, most lenders will require your carry higher Volkswagen Golf coverage options including comprehensive coverage, so be sure to shop around and compare Volkswagen Golf car insurance quotes from the best companies using our FREE tool below.
Ways to Save on Volkswagen Golf Insurance
If you want to reduce the cost of your Volkswagen Golf insurance rates, follow these tips below:
- Take Public Transit Instead of Driving Your Volkswagen Golf
- Remove Young Drivers from Your Volkswagen Golf Insurance Plan
- Bundle Your Volkswagen Golf Auto Insurance with Home Insurance
- Compare Volkswagen Golf Quotes Online
- Get a Plan with Only Liability Coverage If You’re Driving an Older Volkswagen Golf
Top Volkswagen Golf Insurance Companies
Several insurance companies offer competitive rates for the Volkswagen Golf based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Volkswagen Golf drivers organized by market share.
|Source: Insurance Information Institute|
Compare Free Volkswagen Golf Insurance Quotes Online
Start comparing Volkswagen Golf auto insurance quotes for free by using our FREE online comparison tool.