Compare Volkswagen Golf Insurance Quotes

If you want to buy Volkswagen Golf auto insurance coverage online then a policy will cost $123 per month ($1,478 per year) 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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 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 car insurance rates cost drivers an average of $1,478 a year, which comes down to about $123 per month.

Some of the factors that impact Volkswagen Golf rates include the age of both the driver and vehicle, as well as the model’s safety features.

Take the time to read through this detailed article to learn all about how Volkswagen Golf insurance rates are determined.

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 costs 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, Volkswagen Beetle, and Honda Fit.

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

Age of the Vehicle

The average Volkswagen Golf car insurance rates are higher for newer models. For example, car 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 Volkswagen Golf auto insurance rates. As an example, a 40-year-old driver could pay $156 less each month for their Volkswagen Golf auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Volkswagen Golf insurance rates. For example, drivers in New York may pay $384 a year more than drivers in Chicago.

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 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
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Volkswagen Golf Crash Test Ratings

Poor Volkswagen Golf crash test ratings could mean higher 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

Most drivers don’t realize that not only do Volkswagen Golf safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Volkswagen Golf auto insurance rates. 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

The Volkswagen Golf’s insurance loss probability varies between different coverage types. The lower percentage means lower Volkswagen Golf auto insurance costs; higher percentages mean higher Volkswagen Golf auto insurance costs.

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 quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Volkswagen Golf Insurance

You have more options at your disposal to save money on your Volkswagen Golf car insurance costs. For example, try these five tips:

  • Purchase a Roadside Assistance Program for Your Volkswagen Golf
  • Ask Your Insurance Company About Volkswagen Golf Discounts
  • Buy Your Volkswagen Golf with Cash, or Get a Shorter-Term Loan
  • Ask About Usage-Based Insurance for Your Volkswagen Golf
  • Compare Apples to Apples When Comparing Volkswagen Golf Insurance Quotes and Policies

Top Volkswagen Golf Insurance Companies

Several top car insurance companies offer competitive rates for the Volkswagen Golf rates based on factors like discounts for safety features. Take a look at this list of 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

You can start comparing quotes for Volkswagen Golf insurance from some of the top car insurance companies by using our free online tool today.

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