Online Volkswagen Golf Insurance Rates [Everything You Need to Know]

The cost of Volkswagen Golf auto insurance rates are $1,478 a year, or around $123 a month on average. You can find cheap Volkswagen Golf insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $869 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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Key takeaways:

  • 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.

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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.

Vehicle Comprehensive Collision Liability Total
Volkswagen Golf $322 $626 $372 $1,478
Volkswagen Golf R $372 $660 $390 $1,580
Honda Fit $268 $512 $258 $1,148
Mitsubishi Mirage $244 $448 $398 $1,248
Volkswagen Beetle $280 $542 $332 $1,290
Ford Focus RS $332 $656 $398 $1,544
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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.

Model Year Comprehensive Collision Liability Total
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
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Driver Age

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.

Driver Location

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:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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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.

Vehicle Tested Overall Frontal Side Rollover
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
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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
Collision 9%
Property Damage no data
Comprehensive -3%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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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.

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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.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Volkswagen Golf Insurance Quotes Online

Start comparing Volkswagen Golf auto insurance quotes for free by using our FREE online comparison tool.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
2014
2013
2012
2011

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available

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