Insurance for a Volkswagen Golf averages $181 monthly for full coverage and $94 for minimum coverage. Depending on your particular trim and model year, costs can range from $52 to $308 monthly.
Volkswagen Golf Insurance Cost
Updated: February 4, 2026
Key Takeaways
GEICO offers the most affordable rates for Volkswagen Golf owners. Full coverage insurance averages $181 monthly and varies based on your model year and chosen insurer. Read more
Hatchbacks generally cost less to insure due to lower repair costs and better fuel efficiency, making the Golf's 31st place ranking among 52 hatchbacks a middle-tier option for affordability. Read more
Teen drivers impact your Golf's insurance costs, so checking rates specific to your model year and driver ages provides the most accurate quotes for your situation. Read MoneyGeek's analysis of rates by company for specific Golf model years, depending on the age of the drivers
How Much Is Volkswagen Golf Insurance?
| Volkswagen Golf | $94 | $181 |
Looking for another Volkswagen model? Read more about the cost of Volkswagen car insurance models.
Model year affects Volkswagen Golf insurance costs. Newer models cost more to insure because of their higher fair market value. Monthly premiums range from $68 for older Golfs to $533 for the newest models.
Costs vary by model year and insurer. Volkswagen Golf minimum coverage insurance costs range from $83 monthly with GEICO to $207 with UAIC. Full coverage costs range from $179 monthly with GEICO to $505 with AIG.
Golf owners should shop between insurers since minimum coverage varies by over $120 and full coverage by over $300. Insurance companies use different risk calculations for the Golf that affect your final quote.
| AAA | $107 | $221 |
| AIG | $131 | $320 |
| Allstate | $121 | $234 |
| Amica | $113 | $231 |
| Chubb | $110 | $217 |
| Farmers | $141 | $248 |
| Geico | $64 | $139 |
| Kemper | $95 | $192 |
| Nationwide | $100 | $172 |
| Progressive | $93 | $174 |
| State Farm | $86 | $180 |
| The Hartford | $103 | $176 |
| Travelers | $80 | $148 |
| UAIC | $158 | $197 |
Is Volkswagen Golf Expensive to Insure?
Comparing the Volkswagen Golf to similar vehicles shows it's reasonably priced to insure. MoneyGeek analyzed 52 hatchbacks in our database and found the Golf ranks 31st for affordability, meaning 30 hatchback models cost less to insure. It costs a few dollars more per month than a Scion iM but runs slightly cheaper than a Ford Fiesta, putting it in solid middle territory among hatchbacks.Â
That middle ranking among hatchbacks tells a positive story overall since hatchbacks generally cost less to insure due to better safety ratings and lower repair costs. The Golf's 244th place out of 827 total vehicles puts it in the top third for affordability across all car types. The cheapest hatchback to insure is the Mazda 6, while the Audi RS 6 commands the highest premiums in this category.
| Nissan Leaf | $130 | 28 |
| Mazda 6 | $132 | 29 |
| Scion iM | $132 | 30 |
| Volkswagen Golf | $134 | 31 |
| Lexus IS | $134 | 32 |
| Ford Fiesta | $134 | 32 |
| Acura Integra | $137 | 33 |
| Honda Civic | $137 | 34 |
What you'll pay for Volkswagen Golf insurance depends on:
- Average repair or replacement costs: Volkswagen Golf repair costs are on the higher end for Volkswagen models, which can raise insurance costs.
- Vehicle trim, features and accessories: The Golf's horsepower ranges from 147 to 315, depending on trim level, with higher performance variants commanding more in premiums. Performance capabilities directly translate to increased insurance costs across trim levels.
- Driver profile:Â Most Golf drivers fall between the ages of 30 and 45, with a median age of around 37, securing lower rates due to responsible driving habits. However, the Golf's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Volkswagen Golfs for young drivers
Volkswagen Golf Costs by Model Year and Driver Age by Insurance Company
A 2016 Volkswagen Golf costs an average of $205 monthly to insure for drivers aged 35 to 55, while a 2025 model jumps to $275 per month. This $70 difference shows how newer car models tend to be much more expensive than older ones when it comes to full coverage car insurance. Young drivers in their teens and early twenties will pay much more across all model years.
GEICO offers the lowest rates across all Golf model years and could save certain drivers hundreds of dollars per month versus the average rate.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Volkswagen Golf
| Geico | $85 | $186 |
| Travelers | $105 | $197 |
| National General | $111 | $227 |
| Nationwide | $113 | $197 |
| Kemper | $117 | $240 |
| Progressive | $118 | $219 |
| State Farm | $125 | $260 |
| The Hartford | $143 | $243 |
| AAA | $152 | $317 |
| Allstate | $161 | $311 |
| Chubb | $166 | $332 |
| Amica | $169 | $347 |
| AIG | $182 | $449 |
| UAIC | $195 | $245 |
| Farmers | $204 | $360 |
2025 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $892 | $815 | $750 | $636 | $538 | $349 | $324 | $302 | $286 | $256 |
| State Farm | $979 | $862 | $762 | $659 | $581 | $494 | $449 | $401 | $367 | $323 |
| Geico | $1,056 | $771 | $648 | $470 | $405 | $327 | $301 | $249 | $236 | $214 |
| Travelers | $1,200 | $878 | $699 | $540 | $482 | $342 | $314 | $291 | $270 | $228 |
| Allstate | $1,482 | $1,161 | $937 | $693 | $621 | $484 | $439 | $415 | $391 | $346 |
| Progressive | $1,596 | $1,290 | $1,070 | $595 | $519 | $419 | $374 | $333 | $307 | $263 |
| Farmers | $2,261 | $1,675 | $1,489 | $922 | $870 | $661 | $589 | $563 | $535 | $450 |
Cost of Car Insurance for 2024 Volkswagen Golf
| Geico | $75 | $163 |
| Travelers | $92 | $173 |
| National General | $97 | $199 |
| Nationwide | $99 | $173 |
| Kemper | $103 | $210 |
| Progressive | $103 | $192 |
| State Farm | $109 | $228 |
| The Hartford | $125 | $213 |
| AAA | $134 | $277 |
| Allstate | $141 | $273 |
| Chubb | $145 | $291 |
| Amica | $148 | $304 |
| AIG | $159 | $394 |
| UAIC | $171 | $215 |
| Farmers | $179 | $316 |
2024 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $782 | $715 | $658 | $558 | $472 | $306 | $284 | $265 | $251 | $224 |
| State Farm | $858 | $755 | $668 | $577 | $510 | $433 | $394 | $351 | $321 | $283 |
| Geico | $926 | $676 | $568 | $412 | $355 | $286 | $264 | $218 | $207 | $187 |
| Travelers | $1,052 | $769 | $613 | $474 | $422 | $300 | $275 | $255 | $237 | $200 |
| Allstate | $1,299 | $1,018 | $821 | $608 | $544 | $424 | $385 | $364 | $343 | $303 |
| Progressive | $1,399 | $1,131 | $938 | $521 | $455 | $367 | $327 | $292 | $269 | $231 |
| Farmers | $1,982 | $1,468 | $1,305 | $809 | $762 | $579 | $516 | $494 | $469 | $394 |
Cost of Car Insurance for 2023 Volkswagen Golf
| Geico | $79 | $171 |
| Travelers | $98 | $184 |
| National General | $98 | $202 |
| Nationwide | $107 | $186 |
| Progressive | $113 | $211 |
| Kemper | $114 | $234 |
| State Farm | $117 | $244 |
| The Hartford | $132 | $225 |
| AAA | $139 | $288 |
| Chubb | $145 | $290 |
| Amica | $151 | $310 |
| Allstate | $162 | $313 |
| AIG | $165 | $406 |
| Farmers | $189 | $333 |
| UAIC | $191 | $241 |
2023 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $844 | $772 | $710 | $602 | $509 | $331 | $307 | $286 | $270 | $242 |
| State Farm | $916 | $806 | $713 | $616 | $544 | $462 | $420 | $375 | $343 | $302 |
| Geico | $971 | $708 | $595 | $432 | $372 | $300 | $277 | $229 | $216 | $196 |
| Travelers | $1,125 | $821 | $654 | $505 | $450 | $319 | $293 | $272 | $252 | $213 |
| Allstate | $1,494 | $1,171 | $944 | $697 | $624 | $487 | $442 | $418 | $394 | $348 |
| Progressive | $1,539 | $1,243 | $1,031 | $573 | $500 | $404 | $360 | $321 | $295 | $254 |
| Farmers | $2,084 | $1,544 | $1,373 | $852 | $804 | $611 | $545 | $521 | $495 | $416 |
Cost of Car Insurance for 2022 Volkswagen Golf
| Geico | $74 | $162 |
| Travelers | $93 | $174 |
| National General | $93 | $190 |
| Nationwide | $101 | $176 |
| Progressive | $107 | $199 |
| Kemper | $108 | $221 |
| State Farm | $110 | $230 |
| The Hartford | $124 | $212 |
| AAA | $131 | $272 |
| Chubb | $137 | $274 |
| Amica | $143 | $293 |
| Allstate | $153 | $296 |
| AIG | $155 | $383 |
| Farmers | $178 | $314 |
| UAIC | $180 | $227 |
2022 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $796 | $728 | $670 | $568 | $481 | $312 | $289 | $270 | $255 | $229 |
| State Farm | $865 | $761 | $673 | $582 | $513 | $436 | $396 | $354 | $324 | $285 |
| Geico | $916 | $668 | $562 | $407 | $351 | $283 | $261 | $216 | $204 | $185 |
| Travelers | $1,062 | $775 | $617 | $476 | $424 | $301 | $277 | $256 | $238 | $201 |
| Allstate | $1,410 | $1,105 | $890 | $658 | $589 | $460 | $418 | $394 | $372 | $329 |
| Progressive | $1,452 | $1,173 | $973 | $541 | $472 | $381 | $340 | $303 | $279 | $239 |
| Farmers | $1,966 | $1,458 | $1,296 | $804 | $759 | $577 | $514 | $492 | $467 | $393 |
Cost of Car Insurance for 2021 Volkswagen Golf
| Geico | $60 | $131 |
| National General | $75 | $154 |
| Travelers | $75 | $141 |
| Nationwide | $82 | $142 |
| Progressive | $86 | $161 |
| Kemper | $87 | $179 |
| State Farm | $89 | $186 |
| The Hartford | $101 | $172 |
| AAA | $106 | $220 |
| Chubb | $111 | $222 |
| Amica | $116 | $237 |
| Allstate | $124 | $239 |
| AIG | $126 | $310 |
| Farmers | $144 | $254 |
| UAIC | $146 | $184 |
2021 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $645 | $590 | $543 | $460 | $389 | $253 | $234 | $219 | $207 | $185 |
| State Farm | $700 | $616 | $545 | $471 | $416 | $353 | $321 | $287 | $262 | $231 |
| Geico | $742 | $541 | $455 | $330 | $284 | $229 | $211 | $175 | $165 | $150 |
| Travelers | $860 | $628 | $500 | $386 | $344 | $244 | $224 | $208 | $193 | $163 |
| Allstate | $1,142 | $894 | $721 | $533 | $477 | $372 | $338 | $319 | $301 | $266 |
| Progressive | $1,176 | $950 | $788 | $438 | $382 | $309 | $275 | $245 | $226 | $194 |
| Farmers | $1,592 | $1,180 | $1,049 | $651 | $614 | $467 | $416 | $398 | $378 | $318 |
Cost of Car Insurance for 2020 Volkswagen Golf
| Geico | $57 | $123 |
| Travelers | $71 | $133 |
| National General | $71 | $145 |
| Nationwide | $77 | $134 |
| Progressive | $81 | $152 |
| Kemper | $82 | $169 |
| State Farm | $84 | $175 |
| The Hartford | $95 | $162 |
| AAA | $100 | $208 |
| Chubb | $104 | $209 |
| Amica | $109 | $223 |
| Allstate | $116 | $225 |
| AIG | $119 | $292 |
| Farmers | $136 | $240 |
| UAIC | $137 | $173 |
2020 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $607 | $555 | $511 | $434 | $366 | $238 | $221 | $206 | $195 | $174 |
| State Farm | $659 | $580 | $513 | $443 | $391 | $333 | $302 | $270 | $247 | $217 |
| Geico | $699 | $510 | $428 | $311 | $267 | $216 | $199 | $165 | $156 | $141 |
| Travelers | $810 | $591 | $471 | $363 | $324 | $230 | $211 | $196 | $181 | $153 |
| Allstate | $1,075 | $842 | $679 | $502 | $449 | $351 | $318 | $301 | $283 | $251 |
| Progressive | $1,107 | $894 | $742 | $412 | $360 | $291 | $259 | $231 | $213 | $182 |
| Farmers | $1,499 | $1,111 | $988 | $613 | $579 | $440 | $392 | $375 | $356 | $299 |
Cost of Car Insurance for 2019 Volkswagen Golf
| Geico | $66 | $143 |
| National General | $75 | $154 |
| Travelers | $80 | $149 |
| State Farm | $92 | $192 |
| Progressive | $95 | $178 |
| Nationwide | $95 | $165 |
| Kemper | $98 | $200 |
| The Hartford | $107 | $182 |
| Chubb | $112 | $224 |
| AAA | $113 | $234 |
| Amica | $118 | $242 |
| Allstate | $129 | $249 |
| AIG | $134 | $329 |
| Farmers | $150 | $265 |
| UAIC | $160 | $200 |
2019 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $723 | $636 | $563 | $486 | $429 | $365 | $332 | $296 | $271 | $238 |
| Nationwide | $751 | $686 | $632 | $536 | $453 | $294 | $272 | $254 | $240 | $215 |
| Geico | $808 | $589 | $495 | $359 | $310 | $250 | $230 | $191 | $180 | $164 |
| Travelers | $903 | $655 | $519 | $401 | $355 | $257 | $235 | $218 | $201 | $172 |
| Allstate | $1,186 | $929 | $749 | $553 | $496 | $387 | $351 | $332 | $313 | $276 |
| Progressive | $1,296 | $1,046 | $867 | $482 | $421 | $340 | $303 | $270 | $248 | $213 |
| Farmers | $1,654 | $1,227 | $1,091 | $678 | $639 | $486 | $433 | $414 | $394 | $331 |
Cost of Car Insurance for 2018 Volkswagen Golf
| Geico | $102 | $220 |
| National General | $105 | $215 |
| Travelers | $120 | $222 |
| State Farm | $134 | $278 |
| Progressive | $147 | $275 |
| Kemper | $155 | $315 |
| Nationwide | $156 | $269 |
| Chubb | $159 | $315 |
| The Hartford | $160 | $272 |
| AAA | $167 | $348 |
| Amica | $169 | $344 |
| Allstate | $188 | $362 |
| AIG | $201 | $489 |
| Farmers | $219 | $386 |
| UAIC | $246 | $306 |
2018 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,044 | $919 | $813 | $702 | $620 | $527 | $479 | $427 | $391 | $344 |
| Nationwide | $1,226 | $1,120 | $1,032 | $876 | $740 | $479 | $444 | $415 | $392 | $350 |
| Geico | $1,237 | $902 | $758 | $550 | $475 | $383 | $353 | $293 | $277 | $252 |
| Travelers | $1,328 | $957 | $756 | $583 | $514 | $379 | $346 | $319 | $295 | $255 |
| Allstate | $1,724 | $1,350 | $1,088 | $805 | $721 | $562 | $510 | $482 | $455 | $402 |
| Progressive | $2,009 | $1,618 | $1,341 | $746 | $651 | $526 | $469 | $418 | $385 | $330 |
| Farmers | $2,403 | $1,784 | $1,587 | $987 | $931 | $707 | $631 | $603 | $574 | $482 |
Cost of Car Insurance for 2017 Volkswagen Golf
| Geico | $84 | $183 |
| National General | $87 | $178 |
| Travelers | $100 | $184 |
| State Farm | $111 | $231 |
| Progressive | $122 | $228 |
| Kemper | $128 | $261 |
| Nationwide | $129 | $224 |
| Chubb | $132 | $262 |
| The Hartford | $133 | $226 |
| AAA | $139 | $289 |
| Amica | $140 | $286 |
| Allstate | $156 | $301 |
| AIG | $167 | $406 |
| Farmers | $182 | $321 |
| UAIC | $204 | $254 |
2017 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $868 | $763 | $676 | $583 | $515 | $438 | $398 | $355 | $325 | $286 |
| Nationwide | $1,018 | $931 | $858 | $727 | $614 | $398 | $369 | $344 | $325 | $291 |
| Geico | $1,028 | $749 | $630 | $457 | $394 | $318 | $293 | $243 | $230 | $209 |
| Travelers | $1,103 | $795 | $628 | $484 | $427 | $315 | $287 | $265 | $245 | $212 |
| Allstate | $1,433 | $1,121 | $904 | $668 | $599 | $467 | $424 | $401 | $378 | $334 |
| Progressive | $1,669 | $1,344 | $1,114 | $620 | $541 | $437 | $389 | $347 | $319 | $274 |
| Farmers | $1,996 | $1,482 | $1,318 | $820 | $773 | $587 | $524 | $501 | $477 | $401 |
Cost of Car Insurance for 2016 Volkswagen Golf
| Geico | $68 | $147 |
| National General | $70 | $143 |
| Travelers | $80 | $148 |
| State Farm | $89 | $185 |
| Progressive | $98 | $183 |
| Kemper | $103 | $210 |
| Nationwide | $104 | $179 |
| Chubb | $106 | $210 |
| The Hartford | $106 | $181 |
| AAA | $112 | $232 |
| Amica | $112 | $230 |
| Allstate | $125 | $241 |
| AIG | $134 | $326 |
| Farmers | $146 | $258 |
| UAIC | $164 | $204 |
2016 Volkswagen Golf Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $696 | $613 | $542 | $468 | $413 | $351 | $319 | $285 | $260 | $229 |
| Nationwide | $817 | $747 | $688 | $584 | $493 | $320 | $296 | $276 | $261 | $234 |
| Geico | $825 | $601 | $505 | $367 | $316 | $255 | $235 | $195 | $185 | $168 |
| Travelers | $885 | $638 | $504 | $388 | $343 | $252 | $231 | $213 | $197 | $170 |
| Allstate | $1,150 | $900 | $725 | $536 | $481 | $374 | $340 | $322 | $303 | $268 |
| Progressive | $1,339 | $1,079 | $894 | $497 | $434 | $351 | $312 | $279 | $256 | $220 |
| Farmers | $1,602 | $1,189 | $1,058 | $658 | $621 | $471 | $420 | $402 | $382 | $322 |
Volkswagen Golf Insurance Cost by Trim
Insurance costs for your Volkswagen Golf vary by trim, from $52 monthly for minimum coverage on basic 2.5l Hatchback 2d models to $308 for full coverage on high-performance R Hatchback Sedan 4d variants. Performance features, rarity, and market value determine where each trim falls in this range.
| 2.5l Hatchback 2d | $52 | $100 |
| 2.5l Hatchback 4d | $54 | $105 |
| 2.5l Hatchback Sedan 4d | $58 | $113 |
| Tdi Hatchback Sedan 4d | $63 | $123 |
| Gl Hatchback 2d | $64 | $123 |
| Tdi Hatchback 4d | $65 | $126 |
| Gls Turbo Hatchback 4d | $67 | $129 |
| Hatchback 4d | $68 | $131 |
| Hatchback 2d | $68 | $131 |
| Gl Tdi Hatchback 4d | $71 | $137 |
| Gls Tdi Hatchback 4d | $72 | $138 |
| Gl Tdi Hatchback 2d | $72 | $139 |
| Tdi Hatchback 2d | $73 | $140 |
| Gl Hatchback 4d | $75 | $144 |
| Gls Hatchback 4d | $76 | $146 |
| Tsi Limited Edition Sportwagen Wagon 4d | $76 | $148 |
| Gti Rabbit Edition Hatchback Sedan 4d | $81 | $158 |
| Tdi S Sportwagen Wagon 4d | $93 | $180 |
| Gti S Hatchback Sedan 4d | $95 | $184 |
| Gti 380 S | $95 | $186 |
| Gti S | $97 | $189 |
| Gti Se Hatchback Coupe 2d | $97 | $188 |
| R Hatchback 2d | $97 | $188 |
| Tsi S Sportwagen Wagon 4d | $98 | $190 |
| Tsi Se Sportwagen Wagon 4d | $101 | $196 |
| Gti Se Hatchback Sedan 4d | $103 | $199 |
| R Hatchback 4d | $103 | $199 |
| Tsi S 4motion Sportwagen Wagon 4d | $105 | $203 |
| Gti S Hatchback Coupe 2d | $107 | $207 |
| Gti Autobahn Hatchback Sedan 4d | $107 | $209 |
| Gti 40th Anniversary Edition Hatchback Sedan 4d | $109 | $212 |
| Gti 380 Se | $109 | $212 |
| Gti Se | $111 | $216 |
| Gti Sport Hatchback Sedan 4d | $117 | $226 |
| Gti 380 Autobahn | $119 | $231 |
| R 4motion Hatchback Sedan 4d | $121 | $237 |
| Gti Autobahn | $122 | $237 |
| Tsi Sel Sportwagen Wagon 4d | $123 | $238 |
| Tdi Se Sportwagen Wagon 4d | $127 | $245 |
| R 20th Anniversary Edition Hatchback Sedan 4d | $141 | $274 |
| Golf R | $141 | $275 |
| Tdi Sel Sportwagen Wagon 4d | $141 | $273 |
| R Black Edition | $148 | $288 |
| R Hatchback Sedan 4d | $159 | $308 |
Volkswagen Golf Insurance Cost by State
Volkswagen Golf insurance costs range from $34 monthly in Wyoming to $186 in Louisiana for minimum coverage, depending on where you're located. These differences reflect your state's risk characteristics and insurance regulations rather than anything specific to the Golf itself.
| Alabama | $78 | $148 |
| Alaska | $66 | $141 |
| Arizona | $116 | $217 |
| Arkansas | $75 | $168 |
| California | $90 | $182 |
| Colorado | $88 | $211 |
| Connecticut | $128 | $219 |
| Delaware | $128 | $216 |
| Florida | $119 | $275 |
| Georgia | $135 | $223 |
| Hawaii | $50 | $111 |
| Idaho | $50 | $102 |
| Illinois | $85 | $159 |
| Indiana | $60 | $118 |
| Iowa | $52 | $125 |
| Kansas | $66 | $153 |
| Kentucky | $114 | $194 |
| Louisiana | $186 | $400 |
| Maine | $47 | $98 |
| Maryland | $138 | $232 |
| Massachusetts | $94 | $199 |
| Michigan | $144 | $278 |
| Minnesota | $75 | $156 |
| Mississippi | $83 | $163 |
| Missouri | $107 | $213 |
| Montana | $66 | $157 |
| Nebraska | $69 | $158 |
| Nevada | $167 | $301 |
| New Hampshire | $64 | $114 |
| New Jersey | $152 | $251 |
| New Mexico | $76 | $169 |
| New York | $111 | $200 |
| North Carolina | $74 | $144 |
| North Dakota | $55 | $120 |
| Ohio | $69 | $133 |
| Oklahoma | $84 | $187 |
| Oregon | $113 | $197 |
| Pennsylvania | $79 | $186 |
| Rhode Island | $114 | $203 |
| South Carolina | $95 | $178 |
| South Dakota | $50 | $151 |
| Tennessee | $72 | $146 |
| Texas | $115 | $236 |
| Utah | $99 | $169 |
| Vermont | $41 | $98 |
| Virginia | $88 | $143 |
| Washington | $85 | $157 |
| West Virginia | $81 | $163 |
| Wisconsin | $60 | $132 |
| Wyoming | $34 | $108 |
How to Lower the Cost of Volkswagen Golf Insurance
These proven strategies help you find better rates on your Volkswagen Golf insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Volkswagen Golf. Own your Volkswagen outright? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact cars. This benchmark aids in shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs helps you spot good deals when comparing quotes from different insurers.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and verify AM Best financial stability. Budget insurers might offer limited coverage or slower service, which could cost more when you need to file a claim.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Volkswagen Golf owners often get safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts. Many insurers also offer student discounts, military discounts and loyalty rewards. Ask your agent about all available discounts since they can reduce your premium costs.
- 5Consider alternative car insurance types
Volkswagen Golf owners could explore usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These safe driving apps track your driving habits and deliver premium reductions for careful drivers. If you don't drive much, pay-per-mile insurance might save substantial money compared to traditional policies that charge flat rates regardless of mileage.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Volkswagen Golf insurance. Rate changes happen frequently due to market conditions, so what was cheapest last year might not be your best option today.
Volkswagen Golf Insurance Cost: Bottom Line
Volkswagen Golf insurance costs average compared to other vehicles, but you can still find decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you secure the best rate for your car.
Volkswagen Golf Insurance Rates: FAQ
What is the average cost of car insurance for a Volkswagen Golf?
Insurance for a Volkswagen Golf averages $1,124 annually for minimum coverage and $2,176 yearly for full coverage. Monthly costs run approximately $94 for state minimum and $181 for comprehensive protection.
What company has the cheapest car insurance for a Volkswagen Golf?
GEICO provides the most affordable minimum coverage for a Volkswagen Golf at $996 annually. The insurer also delivers the best value for full coverage at $2,148 per year.
Are Volkswagen Golfs expensive to insure?
No, Volkswagen Golf insurance is not expensive compared to most vehicles. Among hatchbacks specifically, it places 31st out of 52 models for affordability, ranking in the middle tier within its category. Overall, the Golf ranks 244th out of 827 total vehicles, placing it in the top third for affordability.
What factors affect insurance costs for Volkswagen Golfs?
Higher theft rates compared to other compact cars and moderate repair costs from specialized parts increase rates, while strong safety ratings help reduce liability costs. Your personal driving record, credit score, and chosen coverage levels impact your final premium.
How can I lower Volkswagen Golf insurance costs?
Compare quotes from multiple insurers since Volkswagen Golf pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier, and keep your driving record clean to secure better rates.
How We Determined Volkswagen Golf Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Volkswagen Golf insurance costs.
Who We Based These Rates On
These Volkswagen Golf prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.