Compare Cheap Volkswagen Golf Insurance Quotes
The average Volkswagen Golf insurance rates are $123 a month. Teen drivers pay the highest VW Golf car insurance rates, which are $450 each month. Follow this guide to learn what you can save when it comes to your Volkswagen Golf insurance coverage. You can save money on car insurance by comparing Volkswagen Golf insurance quotes online.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jul 28, 2020
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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 are slightly less than the average vehicle with full coverage averaging $1,478 a year or $123 a month. Good drivers can save up to $609 a year in policy discounts. We’re going to look at Volkswagen Golf insurance rates, safety ratings, and more.
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.
Table of Contents
Volkswagen Golf Insurance Cost
The average car insurance costs for a Volkswagen Golf 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 Honda Fit, Volkswagen Golf R, and Mitsubishi Mirage.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Volkswagen Golf | $322 | $626 | $372 | $1,478 |
| Honda Fit | $268 | $512 | $258 | $1,148 |
| Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| Mitsubishi Mirage | $244 | $448 | $398 | $1,248 |
| Volkswagen Beetle | $280 | $542 | $332 | $1,290 |
| 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.
| 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 |
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 Houston may pay $1,089 a year more than drivers in Columbus.
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
The Volkswagen Golf’s safety ratings will affect your Volkswagen Golf car insurance rates. See the chart 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 | |
Volkswagen Golf Crash Test Ratings
Volkswagen Golf crash test ratings will affect your 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 | ||||
|---|---|---|---|---|
Volkswagen Golf Safety Features
Having a variety of safety features on your Volkswagen Golf can help lower your insurance costs. According to AutoBlog, the 2020 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
Insurance loss probability on the Volkswagen Golf fluctuates between each type of coverage. The lower percentage means lower Volkswagen Golf car insurance rates; higher percentages mean higher Volkswagen Golf auto insurance rates.
| 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 | |
Volkswagen Golf Finance and Insurance Cost
If you are financing a Volkswagen Golf, you will pay more if you purchase Volkswagen Golf auto insurance at the dealership, so be sure to shop around and compare Volkswagen Golf auto insurance quotes from the best companies using our FREE tool below.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Ways to Save on Volkswagen Golf Insurance
Drivers can end up saving more money on their Volkswagen Golf car insurance rates by employing any one of the following strategies.
- Use an Accurate Job Title When Requesting Volkswagen Golf Auto Insurance
- Carpool to Work Instead of Driving Your Volkswagen Golf
- Understand that Insurance Companies Can’t Change Your Volkswagen Golf Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
- Remove Unnecessary Insurance Once Your Volkswagen Golf is Paid Off
- Provide Your Volkswagen Golf VIN When Requesting Volkswagen Golf Auto Insurance Quotes
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 | |||
Compare Free Volkswagen Golf Insurance Quotes Online
You can start comparing quotes for Volkswagen Golf insurance from some of the top car insurance companies by using our free online tool today.