Volkswagen Golf Car Insurance: How Much Should You Expect to Pay?

Volkswagen Golf drivers pay an average of $141 monthly for their insurance prices. Check out our complete guide to see how much car insurance companies might charge you to insure your Volkswagen Golf.

Quick Facts

  • A Volkswagen Golf is less expensive to insure compared to the average car.
  • Full coverage for a Golf typically averages about $153 a month, while liability only auto insurance rates run around $69 per month.
  • The most affordable insurance company for a Golf is JustInsure.

Golf Overview

The Volkswagen Golf is a great budget-friendly car for drivers of all types, with base prices starting at just $21,845 for 2019 models. With four different trim levels currently available, there's an option for every driver.

We combed through thousands of auto insurance quotes on Compare.com, and we've found that Volkswagen Golf car insurance premiums are about $141 a month, on average. But compared to other vehicles in the market, are Golf auto insurance rates higher or lower than those of similar cars?

Current Base Price$21,845
Body Style(s)Car
Trim LevelsS/SE/SEL, S/SE, S, GOLF R
Average Insurance Premium$141/mo.
Cheapest Insurance CompanyJustInsure

How Much is Car Insurance for a Volkswagen Golf?

Vehicle Liability Only Full Coverage
Volkswagen Golf$69$153
All Volkswagen Models$80$170
All Cars$83$177
Average Insurance Premium$81$169

You can see in the table above that compared to other vehicles on the road, Volkswagen Golf insurance prices are around average. On average, Golf owners will pay about $69 monthly for liability insurance, and around $153 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When you compare it to other Volkswagen models, the Golf is slightly cheaper, with premiums about 10% lower than the rest of the automaker's vehicle offerings. Similarly, coverage for the Golf is more affordable when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive prices than other cars.

Compared to all vehicles, regardless of body style, model, or make, insurance premiums for both liability only and full coverage policies run lower than average.

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Who has the Cheapest Car Insurance for a Volkswagen Golf?

Insurance Company Average Monthly Premium
Coverhound$24
NationalGeneral$27
NYCM$30
Mile Auto$32
Good2Go$32

If you're in the market for a car insurance policy for a Volkswagen Golf, you might be most interested in which carrier offers the cheapest premiums. Even though there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $24 a month from Coverhound. With car insurance sometimes as low as $27 a month, NationalGeneral is the next lowest car insurance carrier.

Finishing off the rest of the top 5 are NYCM, Mile Auto, and Good2Go. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Volkswagen Golf.

After all, insurance companies look at multiple things when calculating premiums, so your results might be different. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from lots of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Volkswagen Golf?

As we mentioned above, there are multiple variables that auto insurance companies examine to decide how much they charge you for insurance -- and each company weighs different attributes more heavily than others, so there's not a single carrier that's the lowest for every driver.

The following sections show several factors car insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$69
2-3 Years$60
4-5 Years$71
6-7 Years$70
8-10 Years$75
11-14 Years$67
15 Years or Older$71

Volkswagen has been making the Golf for quite some time, so the car's age may make a big difference in how much you'll pay for auto insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

According to the table above, the Volkswagen Golf is not quite in line with this trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are 8 to 10 years old, on average.

Your Age

Age Average Monthly Premium

How old you are plays a significant role in how much car insurance companies will charge for a policy. Based on the information above, the youngest Golf drivers pay more expensive rates compared to those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Golf drivers.

Your Gender

Gender Average Monthly Premium
Male$72
Female$64

You may not know, but insurance is normally more expensive for men than for women. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. The Volkswagen Golf sticks to the norm, where men pay around $72 monthly for auto insurance, while women pay about $64.

Where You Live

State Average Monthly Premium
California$53
Florida$101
Georgia$110
Illinois$45
New York$134
North Carolina$53
Ohio$54
Pennsylvania$49
Texas$63
Virginia$50

It may seem like common sense that variables like what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live can have just as much as an impact. Because auto insurance is regulated at the state level, premiums can fluctuate quite a bit depending on what state you live in.

For example, the average Volkswagen Golf driver in New York pays around $134 per month for liability coverage, while on average, the same Californian owner will pay less than half of that price. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

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Volkswagen Golf Car Insurance Discounts

Whatever what state you call home, what car you drive, or how old you are, using as many discounts as possible when it comes to your car insurance policy is always a good idea.

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
  • Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
  • Multi-policy discounts for bundling your home and auto policies with the same insurance company
  • Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than by monthly payments

There are lots of other discounts out there for saving money on your insurance. Some of the best ways to save are just by having a good driving history and positive insurance profile.

Although you don't have control over every factor car insurance companies reference to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your advantage in order to save on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$103
Multiple Accidents$101
1 Ticket$86
Multiple Tickets$127

You've almost certainly seen ads from insurance carriers posting large discounts for safe drivers. And you probably wouldn't be surprised that if you get tickets or get into a collision, car insurance rates will go up. But exactly how much is it going to cost you for these infractions?

Looking at the table above, you'll notice that accidents will usually cost Golf drivers more than tickets, but both will result in higher than average rates. Volkswagen Golf drivers with a single ticket will pay about $86 a month, while drivers with one accident on their record pay an average of $103 each month (up $34 from the $69/mo. overall average). Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$64
2,501-5,000 Miles$60
5,001-7,500 Miles$59
7,501-10,000 Miles$70
10,000+ Miles$76

The total amount of miles you drive each year impacts your auto insurance prices. Those who are on the roads less often are less likely to get tickets, so they'll usually end up paying less for insurance. In the above table, you can see that Volkswagen Golf owners who drive fewer than 2,500 miles a year pay about $64 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $76.

If you're one of those drivers who don't put very many miles on your Volkswagen Golf each year, it may be worth learning about pay-per-mile or usage-based insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volkswagen Golfs Compare to Other Vehicles?

If you're thinking about making a Volkswagen Golf your next car, you're probably wondering how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Check out the table below to see how the Volkswagen Golf compares:

Volkswagen Golf National Average
Liability Insurance$61$81
Full Coverage Insurance$139$169
Base MSRP$21,845$46,074
Average Annual Mileage11,20911,617

Overall, the Volkswagen Golf is a great value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. The Golf starts at $21,845, which is quite a bit lower than the national average vehicle MSRP of $46,074.

Likewise, car insurance rates run below average when compared to other vehicles on the market. Liability insurance for a Volkswagen Golf is about $20 per month less than average, while full coverage is more than $30 less per month.

When it comes to usage, Volkswagen Golf owners drive about the same amount annually as the national average, with 11,209 miles every year compared to 11,617 for all vehicles.

Volkswagen Golf Car Insurance Costs by Model Year

You've seen how different factors can have an impact on how much the average driver pays to insure a Volkswagen Golf. But if you're considering buying a new vehicle and the Golf is one you're thinking about, knowing what you'll likely pay can be extremely helpful as you weigh your choices.

2019 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$139
Base MSRP$21,845
Cheapest Insurance CompanySafeAuto - $30/mo.
Available TrimsGOLF R, S, S/SE, S/SE/SEL

2019 Volkswagen Golf drivers can expect to pay an average of $61 monthly for liability or $139 for full coverage.

With rates as low as just $30 per month, SafeAuto offered the lowest policy we found.

If you want to find the best prices for insurance for a 2019 Volkswagen Golf, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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2018 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$163
Base MSRP$20,910
Cheapest Insurance CompanyStateAuto - $20/mo.
Available TrimsGOLF R, S, S/SE, S/SE/SEL, SEL

You can expect full coverage for a 2018 Golf to run around $163 a month, while liability only coverage will average about $78 monthly.

StateAuto offered the most affordable policy we found, with rates sometimes as little as $20 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2017 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$150
Base MSRP$19,895
Cheapest Insurance CompanyLiberty Mutual - $24/mo.
Available TrimsGOLF R, S, S/SE, S/SE/SEL, S/WOLFSBURG, S/WOLFSBURG/SE/SEL

It costs around $63 per month for liability or $150 for a full coverage policy for the 2017 Volkswagen Golf.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as cheap as just $24 a month.

Interested in what your auto insurance rate will be? Get several free personalized quotes by just entering your ZIP code below.

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2016 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$154
Base MSRP$18,495
Cheapest Insurance CompanyDairyland - $22/mo.
Available TrimsBASE / S, GOLF R, S, S/SE/SEL, S/SE/SEL/LIMITED, TDI S, TDI S/TDI SE/TDI SEL

The average cost to insure a 2016 Golf with liability only coverage is $70 monthly, while full coverage runs about $154 per month.

With premiums as little as $22 monthly, Dairyland offered the most affordable policy we found for the 2016 Volkswagen Golf.

If you want to know exactly how much you can expect to pay for your Golf, just enter your ZIP code below and get several free quotes in minutes.

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2015 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$162
Base MSRP$17,995
Cheapest Insurance CompanyClearcover - $18/mo.
Available TrimsGOLF, GOLF R, S, S/SE/SEL, TDI, TDI S/TDI SE/TDI SEL

On average, drivers who own a 2015 Volkswagen Golf can expect to pay $67 to $162 per month for liability only and full coverage car insurance, respectively.

Clearcover has rates as low as $18 a month for the 2015 Volkswagen Golf.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2014 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$136
Base MSRP$19,995
Cheapest Insurance CompanyMile Auto - $29/mo.
Available TrimsGOLF

2014 Golf drivers can expect to pay an average of $63 monthly for liability or $136 for full coverage.

We found Mile Auto offered the cheapest policy, with rates as cheap as $29 per month.

Want to find the best rates? Enter your ZIP code below to get multiple customized quotes for free.

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2013 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$152
Base MSRP$17,995
Cheapest Insurance CompanyElephant - $18/mo.
Available TrimsGOLF, GOLF R

You can expect full coverage for a 2013 Volkswagen Golf to run around $152 a month, while liability only coverage will average about $66 per month.

If you're looking for the most affordable 2013 Volkswagen Golf insurance policy, Elephant offered the lowest policy we found, with rates sometimes as cheap as $18 monthly.

If you want to know exactly how much you can expect to pay for your Golf, just enter your ZIP code below and get free quotes in minutes.

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2012 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$156
Base MSRP$17,995
Cheapest Insurance CompanyInfinity - $23/mo.
Available TrimsGOLF, R

It costs around $70 a month for liability or $156 for a full coverage policy for the 2012 Golf.

Infinity offered the most affordable policy we found, with rates as little as just $23 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2011 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$171
Base MSRP$17,995
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available TrimsGOLF

The average cost to insure a 2011 Volkswagen Golf with liability only coverage is $78 a month, while full coverage runs about $171 per month.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for sometimes as cheap as $18 a month.

What could your auto insurance rate look like? Enter your ZIP code below to get lots of personalized quotes for free.

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2010 Volkswagen Golf Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$146
Base MSRP$17,620
Cheapest Insurance CompanyMetLife - $19/mo.
Available TrimsGOLF

On average, drivers who own a 2010 Golf can expect to pay $68 to $146 monthly for liability only and full coverage insurance, respectively.

With prices sometimes as little as $19 per month, MetLife offered the lowest policy we found for the 2010 Volkswagen Golf.

While these are good estimates of what the average driver might pay to insure a 2010 Volkswagen Golf, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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Volkswagen Golf Insurance FAQs

Is a Volkswagen Golf expensive to insure?

When compared to the national average of all vehicles, rates come in on the less expensive end of the spectrum. Liability insurance runs an average of $69 a month, while full coverage will cost you around $153.

How can I get the best price on car insurance for my Volkswagen Golf?

The only way to be confident you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from a lot of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a multitude of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Volkswagen Golf affect my insurance premiums?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. While there are a variety of things insurance companies think about when they calculate how much your policy will be, the color of your Golf isn't one of them.

Do I need to have insurance before I buy a Volkswagen Golf?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but your best bet is letting your car insurance carrier know before you buy.

What car insurance discounts can I get for my Volkswagen Golf?

You will find a variety of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the Volkswagen Golf you drive, but if your Golf has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. To find out which discounts you may receive, talk with your insurance agent and ask about their discounts, since they differ quite a bit from company to company.

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