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Best Volkswagen Golf Insurance Rates [Rates + Coverage Guide]

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 cost $123 for full coverage and $49 per month for liability-only coverage. Good drivers can save hundreds per year. Continue reading to learn how you can save money on Volkswagen Golf insurance rates.

You can start comparing quotes for Volkswagen Golf insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Volkswagen Golf Insurance Cost

The average Volkswagen Golf auto insurance costs 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 Honda Fit, Ford Focus RS, and Volkswagen Beetle.

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

Older Volkswagen Golf models generally cost less to insure. For example, auto insurance for a 2020 Volkswagen Golf costs $1,478, while 2010 Volkswagen Golf insurance costs 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 impact on the cost of Volkswagen Golf auto insurance. For example, 20-year-old drivers pay approximately $1,808 each year for their Volkswagen Golf auto insurance 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 $211 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Volkswagen Golf auto insurance. Teens and drivers in their 20’s see the highest jump in their Volkswagen Golf auto insurance rates with violations on their driving record.

Volkswagen Golf Safety Ratings

Your Volkswagen Golf insurance rates are tied to the safety ratings of the Volkswagen Golf. 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

Not only do good Volkswagen Golf crash test ratings mean you are better protected in a crash, but good Volkswagen Golf crash ratings also mean cheaper 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 numerous safety features of the Volkswagen Golf help contribute to lower insurance rates. The 2020 Volkswagen Golf has the following safety features:

  • 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 Monito

Volkswagen Golf Insurance Loss Probability

Another contributing factor that affects Volkswagen Golf 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 auto insurance rates from the best companies using our FREE tool below.

Ways to Save on Volkswagen Golf Insurance

Save more on your Volkswagen Golf insurance rates. Take a look at the following five strategies that will get you the best Volkswagen Golf auto insurance rates possible.

  • Don’t Always Pick the Cheapest Volkswagen Golf Auto Insurance Policy
  • Understand that Insurance Companies Can’t Change Your Volkswagen Golf Insurance Rates Mid-Term Based on Changes to Your Credit Score
  • Ask About Retiree Discounts
  • Be Picky About Who Drives Your Volkswagen Golf
  • Compare Auto Insurance Companies After Moving

Top Volkswagen Golf Insurance Companies

Who is the top auto insurance company for Volkswagen Golf insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volkswagen Golf auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Volkswagen Golf offers.

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

Save money by comparing Volkswagen Golf insurance rates with free quotes online now!

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