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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
The average Volkswagen Golf auto insurance costs are $1,478 a year or $123 a month.
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 |
However, there are a few things you can do to find the cheapest Volkswagen insurance rates online.
The Volkswagen Golf trim and model you choose can impact the total price you will pay for Volkswagen Golf insurance coverage.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
The numerous safety features of the Volkswagen Golf help contribute to lower insurance rates. The 2020 Volkswagen Golf has the following safety features:
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 | |
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.
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.
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 | |||
Save money by comparing Volkswagen Golf insurance rates with free quotes online now!
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