Secured with SHA-256 Encryption
Select Page

Compare Cheap Volkswagen Golf Insurance Quotes

The cost of Volkswagen Golf car insurance rates are $1,478 a year, or around $123 a month on average. Mature drivers with good driving records may find rates as low as $869 a year.

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Jun 22, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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.

Volkswagen Golf Insurance Cost

The average car insurance costs for a Volkswagen Golf are $1,478 a year or $123 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

Leave a Rating

Your email address will not be published. Required fields are marked *