The annual full coverage insurance for a VW Golf ranges from $1,071 to $6,281. Rates vary based on the car's model year, driver age, address, driving history, coverage level and insurer. MoneyGeek breaks down VW Golf insurance costs, with insights into the best and most affordable options.
VW Golf Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage across all VW Golf model years, with an annual average rate of $478.
The average annual insurance cost for a VW Golf is $581 for minimum coverage and $1,423 for full coverage.
MoneyGeek analyzed 3,884 VW Golf insurance quotes from Quadrant Information Services for a detailed rate comparison.
VW Golf Insurance Rates
What Is the Average VW Golf Car Insurance Cost?
The average full coverage insurance cost for a VW Golf is $119 per month or $1,423 per year, based on a 40-year-old male with a clean driving record. For minimum coverage, expect to pay around $48 monthly or $581 annually.
| Minimum Coverage | $581 |
| Full Coverage | $1,423 |
VW Golf Insurance Costs by Company
VW Golf insurance costs range from $1,119 to $2,083 annually, varying by age, model year and coverage level. The table below compares the average VW Golf insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,637 | $1,811 | -10% |
| Auto-Owners | $1,228 | $1,226 | 0% |
| Farmers | $1,832 | $1,955 | -6% |
| GEICO | $1,245 | $1,332 | -7% |
| Kemper | $2,083 | $2,211 | -6% |
| Nationwide | $1,531 | $1,588 | -4% |
| Progressive | $1,687 | $1,742 | -3% |
| State Farm | $1,156 | $1,269 | -9% |
| Travelers | $1,328 | $1,522 | -13% |
| USAA | $1,119 | $1,200 | -7% |
Read more: Best Car Insurance Companies
Cost of Insuring a VW Golf by Model Year
The year your VW Golf was made affects insurance rates, with older models usually costing less. Full coverage for a 2022 Golf costs $1,606 annually, while a 2010 model costs $1,219. Below are the average full and minimum coverage rates for each production year.
| 2022 | $580 | $1,606 |
| 2021 | $581 | $1,586 |
| 2020 | $565 | $1,556 |
| 2019 | $594 | $1,532 |
| 2018 | $600 | $1,501 |
| 2017 | $579 | $1,489 |
| 2016 | $603 | $1,475 |
| 2015 | $603 | $1,462 |
| 2014 | $582 | $1,397 |
| 2013 | $606 | $1,331 |
| 2012 | $606 | $1,265 |
| 2011 | $604 | $1,242 |
| 2010 | $600 | $1,219 |
VW Golf Insurance Costs by Driver Age
VW Golf insurance rates vary greatly by driver age. For example, 40-year-olds pay an average of $1,435 annually for full coverage, while 16-year-olds pay around $6,281. Below are the average rates for different ages.
| 16 | $2,715 | $6,281 |
| 17 | $2,210 | $5,119 |
| 18 | $1,928 | $4,506 |
| 19 | $1,368 | $3,203 |
| 20 | $1,227 | $2,912 |
| 21 | $973 | $2,350 |
| 22 | $887 | $2,159 |
| 23 | $823 | $2,016 |
| 24 | $780 | $1,919 |
| 25 | $693 | $1,716 |
| 26 | $674 | $1,648 |
| 27 | $658 | $1,611 |
| 28 | $647 | $1,586 |
| 29 | $637 | $1,565 |
| 30 | $615 | $1,509 |
| 35 | $599 | $1,462 |
| 40 | $592 | $1,435 |
| 45 | $587 | $1,417 |
| 50 | $573 | $1,374 |
| 55 | $558 | $1,337 |
| 60 | $559 | $1,332 |
| 65 | $593 | $1,374 |
| 70 | $644 | $1,471 |
| 75 | $716 | $1,612 |
| 80 | $811 | $1,795 |
| 85 | $878 | $1,926 |
| 90 | $925 | $2,016 |
VW Golf Insurance Rates Explained
Driver profiles affect car insurance rates, but insurers also consider vehicle-related factors. Below is a breakdown of how your car’s make, model, age and safety features impact costs.
VW Golf Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296VW Golf
Average Full Coverage Rate
$1,423Premiums for VW Golf are:$127 more
This is 10% more expensive.
Value
The VW Golf has an MSRP of $24,990 and is classified as a compact car. Its price point typically results in moderate insurance premiums.
Repair costs
The VW Golf's annual repair cost is $630, below the national average. Easier access to parts and lower labor costs can help reduce insurance rates.
Performance
The VW Golf has 147 horsepower and a 0-to-60 time of 7.6 seconds, classifying it as a moderate-performance vehicle. This may lead to lower insurance costs.
Vehicle age
Newer VW Golfs are typically more expensive to insure than older ones. However, collector and classic models can be exceptions.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the VW Golf for insurance discounts.
Vehicle size
The VW Golf weighs 3,012 lbs, making it a smaller vehicle. Its size may contribute to lower insurance costs than larger models.
Trim level
Higher trim levels have premium upgrades, increasing the MSRP. As a result, the VW Golf's higher trims cost more to insure than the base model.
Cheapest VW Golf Insurance
State Farm offers the lowest annual VW Golf insurance rate at $478 for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest auto insurance by coverage level, age group, driving record and model year.
Cheapest VW Golf Insurance by Coverage Level
Your coverage level greatly affects your VW Golf insurance rate. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest VW Golf Minimum Coverage
GEICO and State Farm offer the cheapest minimum coverage for a VW Golf at $40 per month, followed by Travelers ($45) and Progressive ($54).
| USAA | $31 | $377 |
| State Farm | $40 | $478 |
| GEICO | $40 | $482 |
| Travelers | $45 | $545 |
| Progressive | $54 | $653 |
| Allstate | $56 | $673 |
| Farmers | $56 | $677 |
| Nationwide | $58 | $692 |
*State Farm offers non-military-affiliated VW Golf owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best VW Golf Insurance Rates by Model Year
The above list doesn't consider the production year, so lower rates may be available depending on your vehicle's age. To find the cheapest minimum coverage rates for each VW Golf model year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2010
| Allstate | $701 | $58 |
| Farmers | $672 | $56 |
| GEICO | $494 | $41 |
| Nationwide | $720 | $60 |
| Progressive | $665 | $55 |
| State Farm | $475 | $40 |
| Travelers | $590 | $49 |
| USAA | $385 | $32 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage VW Golf Insurance
State Farm offers the cheapest full coverage for a VW Golf at $93 monthly or $1,119 annually. Check the full list of providers and rates below.
| USAA | $89 | $1,071 |
| State Farm | $93 | $1,119 |
| GEICO | $100 | $1,202 |
| Travelers | $109 | $1,305 |
| Nationwide | $120 | $1,438 |
| Allstate | $130 | $1,555 |
| Progressive | $133 | $1,593 |
| Farmers | $141 | $1,694 |
*On average, State Farm is the cheapest insurer for non-military-affiliated VW Golf owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest VW Golf Insurance by Age
Drivers aged 16 to 25 and seniors 55+ often pay higher VW Golf insurance rates. Below is a breakdown of the cheapest options by age group.
Cheapest VW Golf Insurance for Young Drivers
State Farm offers the cheapest VW Golf insurance for drivers aged 16 to 25, with rates averaging $87 monthly or $1,045 annually for minimum coverage. Below is the complete list of the most affordable auto insurance rates for VW Golf drivers.
| USAA | $64 | $770 |
| State Farm | $87 | $1,045 |
| Travelers | $95 | $1,135 |
| GEICO | $96 | $1,151 |
| Allstate | $131 | $1,569 |
| Progressive | $152 | $1,825 |
| Nationwide | $153 | $1,831 |
| Farmers | $154 | $1,849 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest VW Golf Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $44 monthly or $526 annually. See the full list of affordable VW Golf insurers below.
| USAA | $42 | $498 |
| State Farm | $44 | $526 |
| GEICO | $48 | $578 |
| Travelers | $55 | $655 |
| Nationwide | $68 | $811 |
| Progressive | $69 | $824 |
| Allstate | $69 | $825 |
| Farmers | $75 | $905 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest VW Golf Insurance After an Accident
State Farm, GEICO and Travelers offer VW Golf drivers the cheapest car insurance after an accident. See the complete list below for more options.
| USAA | $48 | $570 |
| State Farm | $50 | $600 |
| GEICO | $63 | $756 |
| Travelers | $64 | $771 |
| Allstate | $77 | $920 |
| Progressive | $88 | $1,061 |
| Nationwide | $89 | $1,071 |
| Farmers | $111 | $1,337 |
*State Farm provides the lowest rates for non-military-affiliated, at-fault VW Golf drivers. USAA is the most affordable option for military-affiliated drivers.
VW Golf Insurance Cost: Bottom Line
Always compare car insurance rates to find the most affordable option. This article covers VW Golf insurance costs across different demographics and highlights the cheapest providers.
VW Golf Insurance Rates: FAQ
Below are answers to common questions about VW Golf insurance costs, helping you understand options like minimum coverage and affordable plans.
What company has the cheapest car insurance for a VW Golf?
State Farm offers the most affordable insurance for a VW Golf, with an annual minimum coverage rate of $478.
What is the average cost of car insurance for a VW Golf?
The average annual insurance cost for a VW Golf is $581 for minimum coverage and $1,423 for full coverage.
VW Golf Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 3,884 VW Golf insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a VW Golf:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine VW Golf insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your VW Golf.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.