Volkswagen Golf Insurance

And how to get the lowest premiums

Written by Rachel Morey
Written by Rachel Morey

Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.

Reviewed by Greg Safford
Reviewed by Greg Safford

Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.

Volkswagen Golf

Not everyone needs the same types of car insurance for their Volkswagen Golf. Since there are so many factors to consider when designing your ideal insurance package, it's helpful to have an independent insurance agent on your side. They can contact many insurance companies on your behalf to get you multiple quotes. 

Not sure where to look? has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Volkswagen Golf. 

What Kind of Insurance Do You Need for Your Volkswagen Golf?

Bodily injury liability

If someone is injured in an accident that you cause while driving your Volkswagen Golf, your bodily injury liability coverage helps you pay for the damage. This policy may cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs. 

Property damage liability

If you cause an accident while driving your Volkswagen Golf, property damage liability coverage pays for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims. 

Medical payments/Personal injury protection

Depending on your state, you'll be able to choose medical payments or personal injury protection coverage. Many car accidents result in injury, and this type of insurance helps pay the medical bills associated with recovery. 

Uninsured motorist coverage

If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage will pay the bills up to your policy's limits. Even though liability insurance is required by law, many drivers simply don't have it. Your agent can help you understand your options for uninsured and underinsured motorist coverage. 

Optional coverage:


If you are in an accident with another car or you hit an object, collision coverage pays to fix or replace your car up to its fair market value. It doesn't make sense to have collision coverage on an older Volkswagen Golf that's paid off. Your agent can help you decide if full coverage is the right choice for you. 


Comprehensive coverage helps replace or repair your Golf if it's damaged, vandalized, or stolen. This type of insurance covers nearly everything that isn't considered a collision. If you have a loan on your car, comprehensive coverage may be required by your lender. 

Glass coverage

A broken windshield demands immediate attention, and in some places you'll get a ticket for driving with damaged glass. A zero-deductible glass coverage policy lets you get your Golf's broken glass fixed without having to dig into your savings. 

Gap insurance

If you are in an accident that badly damages or even totals your Golf, gap coverage can save you from having to pay off the loan if you owe more than the car is worth. Every insurance policy has limits, and your insurance company will only pay up to the fair market value of the vehicle. Talk with your agent about how gap insurance may protect you if you own a newer Volkswagen Golf. 

What Affects the Cost of Insurance for Your Volkswagen Golf?

Annual mileage: Driving more than 10,000 to 15,000 miles each year means you'll pay slightly higher auto insurance premiums. 

Your driving record: Volkswagen Golf drivers who don't have moving violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. 

The value of your vehicle: High-value vehicles cost more to insure because it's more expensive to fix or replace them. The Volkswagen Golf is a midrange vehicle, so its value shouldn't negatively affect your insurance rates. 

Average Volkswagen Golf Insurance Costs

The average 40-year-old Volkswagen Golf driver pays $1,478 each year for full coverage auto insurance, including comprehensive and collision coverage. With liability-only coverage, the average annual premium is just $438. 

The Safety of Your Volkswagen Golf

The National Highway Traffic Safety Administration (NHTSA) doesn't provide a safety rating for the Volkswagen Golf. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Golf a "good" rating for crashworthiness. Front crash prevention technology comes standard with the 2020 Volkswagen Golf. Advanced safety technology helps reduce insurance premiums by decreasing the likelihood or severity of a crash. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

How Location Affects Your Volkswagen Golf Insurance 

Where you live has a huge effect on your auto insurance rates. Your agent can help you understand how your location factors into your Volkswagen Golf premiums. 

Average annual full-coverage insurance premium for a 40-year-old Volkswagen Golf driver: 

Rural Areas: Small Cities: Large Cities:
$1,109 $1,552 $1,995

Additional Factors That Affect Your Volkswagen Golf Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Volkswagen Golf

Average annual cost to insure a Volkswagen Golf with full coverage: $1,332
Teens: $5,438
High-risk drivers: $3,206
High deductibles: $1,262
Low deductibles: $1,896
Top three most expensive states for Volkswagen Golf insurance:
New York, Louisiana, and Michigan $2,110
Top three most affordable states for Volkswagen Golf insurance:
Iowa, Maine, and Idaho $970
Average annual Volkswagen Golf insurance rates by age
16 $5,438
20 $3,428
30 $1,550
40 $1,478
50 $1,350
60 $1,324

Top Independent Insurance Carriers That Insure the Volkswagen Golf

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers

Get a Volkswagen Golf Quote

An independent insurance agent can shop multiple insurance companies and bring you the best possible rates for the auto insurance you need. connects you to an agent in your area so you can get started right away. Use the find-an-agent tool to get in touch with a local agent and save money on your Volkswagen Golf insurance. 

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

IIHS, Consumer Reports, Quote Inspector,, JD Power, Car and Driver