Online Volkswagen Golf Insurance Rates [List of Money Saving Tips]

Volkswagen Golf insurance rates are around $123 per month, but Volkswagen Golf insurance for 17-year-olds could be at a higher rate. Teen drivers can compare Volkswagen Golf insurance quotes online with our free tool below. Start by entering your ZIP code so we can find the average cost of Volkswagen Golf insurance coverage in your state.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 about $41 less per year than the average vehicle with full coverage around $1,478 a year or $123 a month. Teens have the highest rates of around $5,402 a year or $450 a month as they’re considered to be high-risk to insure.

Good drivers can save up to $609 in policy discounts by staying safe and courteous while out on the roads. Let’s take a quick look at Volkswagen Golf insurance rates, crash test 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.

Volkswagen Golf Insurance Cost

The average Volkswagen Golf auto 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 Honda Fit, Volkswagen Golf R, and Ford Focus RS.

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
Ford Focus RS $332 $656 $398 $1,544
Volkswagen Beetle $280 $542 $332 $1,290
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 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 the cost of Volkswagen Golf car insurance. For example, 30-year-old drivers pay approximately $65 more for their Volkswagen Golf car insurance than 40-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 your Volkswagen Golf car insurance rates. 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 car 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

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
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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 plays a direct role in 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 quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Volkswagen Golf Insurance

There are many ways that you can save on Volkswagen Golf car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Volkswagen Golf car insurance rates low.

  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Audit Your Volkswagen Golf Driving When You Move to a New Location or Start a New Job
  • Remove Young Drivers from Your Volkswagen Golf Insurance Plan
  • Understand that Your Insurer Can Change Your Volkswagen Golf Auto Insurance Rates Mid-Term for Other Reasons
  • Start Searching for New Volkswagen Golf Car Insurance a Month Before Your Renewal

Top Volkswagen Golf Insurance Companies

Who is the top car 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

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

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