Volkswagen Golf Car Insurance Cost 2025
Securing insurance for a Volkswagen Golf typically costs approximately $1,400 per year with GEICO. However, the exact amount can differ based on factors like your age, the car’s model year, and other pertinent information. You can utilize the quote tables provided below to obtain a personalized estimate tailored to your individual circumstances.
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The Volkswagen Golf is a compact car that’s fun to drive, reliable, and relatively affordable to insure. On average, full coverage for a 2025 Volkswagen Golf costs about $1,400 per year, or roughly $115 per month.
Drivers opting for minimum coverage can expect to pay closer to $580 annually. Insurance rates for the Golf tend to be lower than for many other vehicles in its class, thanks to its strong safety ratings and modest repair costs.
Of course, your final premium will vary based on factors like your age, driving history, location, and the specific model or trim you choose.
How Much Does Volkswagen Golf Car Insurance Cost?
Typically, GEICO offers the most attractive rate, averaging $1,400 annually for full coverage insurance on a 2024 Volkswagen Golf.
Car insurance costs can vary widely depending on several key factors, and it’s important to understand what affects your rate. Elements like your location, driving history, vehicle model year, and the type of coverage you choose all play a role. A clean driving record typically results in lower premiums, while accidents or violations can lead to higher rates. Urban drivers often pay more due to greater traffic and accident risk, while rural drivers tend to see lower costs. Full coverage, which includes both collision and comprehensive, is more expensive than basic liability. As shown in the table below, the Volkswagen Golf is generally cheaper to insure than the average Volkswagen model and costs less than the overall average for all vehicles. To get the best rate, Insuranceopedia can help you easily compare quotes from top insurers in one place.
| Vehicle | Average Monthly Premium |
| Volkswagen Golf | $155 |
| All Volkswagens | $173 |
| All Cars | $175 |
Average Insurance Cost Of Volkswagen Golf Model Year
| Model Year | Average Premium |
| 2025 Volkswagen Golf | $1,428 |
| 2024 Volkswagen Golf | $1,243 |
| 2021 Volkswagen Golf | $1,060 |
| 2020 Volkswagen Golf | $1,353 |
| 2019 Volkswagen Golf | $1,261 |
| 2018 Volkswagen Golf | $1,213 |
| 2017 Volkswagen Golf | $823 |
| 2016 Volkswagen Golf | $892 |
| 2015 Volkswagen Golf | $1,034 |
| 2014 Volkswagen Golf | $2,15 |
| 2013 Volkswagen Golf | $688 |
| 2012 Volkswagen Golf | $732 |
| 2011 Volkswagen Golf | $1,127 |
2025 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2025 Volkswagen Golf is $1,428. However, USAA offers the cheapest rates, averaging $1,075 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,075 |
| GEICO | $1,200 |
| State Farm | $1,120 |
| Progressive | $1,590 |
| Allstate | $1,550 |
| Nationwide | $1,440 |
| Farmers | $1,690 |
| Travelers | $1,300 |
| Auto-Owners | $1,230 |
| Kemper | $2,080 |
2024 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2024 Volkswagen Golf is $1,243. However, GEICO offers the cheapest rates, averaging $999 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $999 |
| USAA | $1,008 |
| Progressive | $1,050 |
| State Farm | $1,188 |
| Nationwide | $1,355 |
| Allied | $1,548 |
| Allstate | $1,553 |
2021 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2021 Volkswagen Golf is $1,060. However, American National P offers the cheapest rates, averaging $643 per year.
| Insurance Provider | Average Annual Cost |
| Safety Group | $992 |
| Cincinnati Insurance | $1,304 |
| Penn National | $1,171 |
| Virginia Farm Bureau | $1,101 |
| American National P | $633 |
| Farm Bureau Mutual (IA Group) | $1,129 |
| Texas Farm Bureau Group | $768 |
| Country | $1,168 |
| ACE American Pool | $1,246 |
| Norfolk and Dedham Group | $1,085 |
2020 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2020 Volkswagen Golf is $1,353. However, American Family offers the cheapest rates, averaging $847 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $975 |
| Grange | $1,777 |
| Auto Club | $1,503 |
| Safeco | $1,369 |
| American Family | $847 |
| National General | $1,342 |
| Texas Farm Bureau Group | $976 |
| Mercury | $1,570 |
| Auto Club Group | $1,750 |
| Republic Indemnity | $1,423 |
2019 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2019 Volkswagen Golf is $1,261. However, Safeco offers the cheapest rates, averaging $706 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $930 |
| Permanent General | $1,808 |
| Auto-Owners Insurance Co | $1,382 |
| Country | $1,197 |
| Safeco | $706 |
| Texas Farm Bureau Group | $1,132 |
| Atlantic States Insurance | $915 |
| Republic Indemnity | $1,397 |
| American Independent Ins Co | $1,807 |
| National General | $1,334 |
2018 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2018 Volkswagen Golf is $1,213. However, American National P offers the cheapest rates, averaging $512 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $1,005 |
| Allied | $1,650 |
| Liberty Mutual | $1,375 |
| National Grange Mutual | $1,251 |
| American National P | $512 |
| New Jersey Manufacturers | $1,148 |
| Safeco | $567 |
| Direct Auto | $1,624 |
| Aspire Savings Triple Deductible | $1,672 |
| 21st Century | $1,321 |
2017 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2017 Volkswagen Golf is $823. However, Pekin Insurance offers the cheapest rates, averaging $375 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $738 |
| Auto-Owners Insurance Co | $973 |
| Grange Mutual | $889 |
| Virginia Farm Bureau | $884 |
| Pekin Insurance | $375 |
| North Carolina Farm Bureau | $810 |
| Texas Farm Bureau Group | $748 |
| Country | $947 |
| Dairyland Auto | $1,014 |
| SECURA Insurance | $847 |
2016 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2016 Volkswagen Golf is $892. However, Safeco offers the cheapest rates, averaging $94 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $818 |
| Capital Insurance Group | $1,179 |
| New Jersey Manufacturers | $1,066 |
| PEMCO | $951 |
| Safeco | $94 |
| National General Value | $907 |
| American National P | $594 |
| Tennessee Farmers | $1,118 |
| Unigard | $1,147 |
| Atlantic States Insurance | $1,042 |
2015 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2015 Volkswagen Golf is $1,034. However, PEMCO offers the cheapest rates, averaging $865 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $969 |
| Unigard | $1,178 |
| SafeAuto | $1,099 |
| Capital Insurance Group | $1,051 |
| PEMCO | $865 |
| Mercury Insurance | $965 |
| New York Central Mutual Fire | $974 |
| NatGen Custom 360 | $1,069 |
| Atlantic States Insurance | $1,141 |
| SECURA Insurance | $1,032 |
Find Affordable Volkswagen Golf Car Insurance
2014 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2014 Volkswagen Golf is $820. However, Mercury Insurance offers the cheapest rates, averaging $215 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $465 |
| Auto-Owners Insurance Co | $1,161 |
| New Jersey Manufacturers | $1,031 |
| Texas Farm Bureau Group | $876 |
| Mercury Insurance | $215 |
| SECURA Insurance | $849 |
| Buckeye Insurance Group | $406 |
| Erie | $1,148 |
| American Family | $1,130 |
| New York Central Mutual Fire | $920 |
2013 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2013 Volkswagen Golf is $688. However, Mercury Insurance offers the cheapest rates, averaging $403 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $489 |
| Virginia Farm Bureau | $939 |
| Farmers Mutual of Nebraska | $787 |
| West Bend Mutual | $754 |
| Mercury Insurance | $403 |
| Buckeye Insurance Group | $625 |
| Plymouth Rock | $438 |
| Hastings Mutual Insurance Co | $794 |
| Indiana Farmers Mutual Ins | $890 |
| Pekin Insurance | $760 |
2012 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2012 Volkswagen Golf is $732. However, Safeco offers the cheapest rates, averaging $73 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $788 |
| Farm Bureau Mutual (IA Group) | $951 |
| Celina Insurance Group | $871 |
| Capital Insurance Group | $836 |
| Safeco | $73 |
| Western Reserve | $728 |
| Buckeye Insurance Group | $408 |
| North Carolina Farm Bureau | $897 |
| Texas Farm Bureau Group | $943 |
| PEMCO | $825 |
2011 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2011 Volkswagen Golf is $1,105. However, Safeco offers the cheapest rates, averaging $880 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $922 |
| Southern Farm Bureau | $1,398 |
| Hastings Mutual Insurance Co | $1,263 |
| New Jersey Manufacturers | $950 |
| SafeAuto | $880 |
| Pekin Insurance | $947 |
| American National P | $929 |
| PEMCO | $1,301 |
| MO Farm Bureau Services | $1,398 |
| Grange Mutual | $1,065 |
2010 Volkswagen Golf Insurance Rates
The average annual insurance cost for a 2010 Volkswagen Golf is $1,127. However, Mercury Insurance offers the cheapest rates, averaging $119 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $710 |
| Auto-Owners Insurance Co | $1,702 |
| Kemper Auto | Infinity | $1,613 |
| National General Value | $995 |
| Mercury Insurance | $119 |
| New Jersey Manufacturers | $875 |
| AssuranceAmerica | $375 |
| Country | $1,667 |
| Republic Indemnity | $1,672 |
| PEMCO | $1,542 |
Find Affordable Volkswagen Golf Car Insurance
Are Volkswagen Golfs Expensive To Insure?
Volkswagen Golfs are generally considered affordable to insure compared to other compact cars. On average, full coverage costs around $1,400 per year, while minimum coverage may be closer to $580 annually. The Golf’s reasonable insurance rates are due to its solid safety features, moderate repair costs, and strong reliability record. However, actual premiums can vary based on personal factors like your age, driving history, location, and the specific model or trim level. Sportier versions, such as the Golf GTI or Golf R, may come with slightly higher premiums due to their performance capabilities and higher replacement costs.
Cost of Volkswagen Golf Car Insurance By Age
Age is a major factor that affects how much you’ll pay for car insurance. Younger drivers, especially teenagers, face the highest premiums because they’re statistically more likely to be involved in accidents. Insurance companies see them as high-risk due to their lack of experience behind the wheel. As drivers age and gain more experience—particularly in their 30s, 40s, and 50s—their rates typically decrease. This is because mature drivers are seen as more responsible and less likely to file claims. Maintaining a clean driving record over time can also help reduce your insurance costs significantly as you get older.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,601 | $9,690 | $11,350 |
| 18 | $6,134 | $9,012 | $10,598 |
| 19 | $5,475 | $7,991 | $9,338 |
| 20 | $4,749 | $6,945 | $8,140 |
| 21 | $3,973 | $5,889 | $6,847 |
| 22 | $3,872 | $5,683 | $6,623 |
| 23 | $3,392 | $5,021 | $5,836 |
| 24 | $3,224 | $4,731 | $5,555 |
| 25 | $2,784 | $4,084 | $4,767 |
| 30 | $2,159 | $3,168 | $3,678 |
| 35 | $2,020 | $2,961 | $3,485 |
| 40 | $1,957 | $2,862 | $3,322 |
| 45 | $1,897 | $2,798 | $3,298 |
| 55 | $1,723 | $2,548 | $2,993 |
| 65 | $1,795 | $2,678 | $3,123 |
| 75 | $2,295 | $3,364 | $3,939 |
Volkswagen Golf Car Insurance Rates By State
Your location has a big impact on how much you’ll pay to insure your Volkswagen Golf. Insurance companies consider many regional factors when setting your premium. Each state has its own insurance laws, and places like Michigan often see higher rates due to stricter coverage requirements. Weather patterns also play a role—areas prone to hurricanes, floods, or snowstorms may face higher premiums due to increased risk of damage. Local crime and accident statistics matter too. If you live in an area with high rates of theft, collisions, or vehicle-related injuries, your insurance costs will likely be higher as a result.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,051 | $3,010 | $3,815 |
| Alaska | $1,741 | $2,356 | $2,300 |
| Arizona | $1,939 | $2,801 | $4,130 |
| Arkansas | $2,115 | $3,345 | $3,630 |
| California | $2,359 | $4,185 | $2,358 |
| Colorado | $2,209 | $3,115 | $3,901 |
| Connecticut | $2,817 | $4,357 | $5,522 |
| Delaware | $2,352 | $3,102 | $3,989 |
| Florida | $2,766 | $3,836 | $4,993 |
| Georgia | $2,263 | $3,377 | $3,389 |
| Hawaii | $899 | $1,196 | $903 |
| Idaho | $1,547 | $2,098 | $2,513 |
| Illinois | $1,623 | $2,478 | $2,821 |
| Indiana | $1,681 | $2,547 | $2,900 |
| Iowa | $1,343 | $1,826 | $2,134 |
| Kansas | $1,771 | $2,574 | $3,033 |
| Kentucky | $2,594 | $3,779 | $4,440 |
| Louisiana | $3,273 | $4,960 | $5,440 |
| Maine | $1,266 | $1,718 | $2,547 |
| Maryland | $2,041 | $2,932 | $3,246 |
| Massachusetts | $1,635 | $2,834 | $1,594 |
| Michigan | $3,900 | $5,966 | $9,405 |
| Minnesota | $1,609 | $2,149 | $2,976 |
| Mississippi | $1,947 | $2,787 | $2,754 |
| Missouri | $1,810 | $2,597 | $3,429 |
| Montana | $1,858 | $2,609 | $3,035 |
| Nebraska | $1,589 | $2,302 | $2,569 |
| Nevada | $2,588 | $3,845 | $4,090 |
| New Hampshire | $1,786 | $2,881 | $3,611 |
| New Jersey | $1,976 | $3,117 | $4,073 |
| New Mexico | $2,043 | $3,015 | $3,143 |
| New York | $1,891 | $2,326 | $3,979 |
| North Carolina | $1,118 | $1,977 | $1,418 |
| North Dakota | $1,622 | $2,442 | $2,886 |
| Ohio | $1,436 | $2,211 | $2,239 |
| Oklahoma | $2,259 | $3,244 | $3,669 |
| Oregon | $2,073 | $2,731 | $3,298 |
| Pennsylvania | $1,747 | $2,512 | $3,017 |
| Rhode Island | $2,904 | $4,268 | $4,765 |
| South Carolina | $1,966 | $2,728 | $3,736 |
| South Dakota | $1,748 | $2,526 | $2,954 |
| Tennessee | $2,061 | $3,025 | $4,074 |
| Texas | $2,106 | $3,031 | $3,782 |
| Utah | $1,764 | $2,503 | $3,455 |
| Vermont | $1,379 | $2,088 | $2,271 |
| Virginia | $1,287 | $1,966 | $1,940 |
| Washington | $1,706 | $2,328 | $2,773 |
| West Virginia | $1,710 | $2,470 | $3,071 |
| Wisconsin | $1,702 | $2,670 | $3,048 |
| Wyoming | $1,611 | $2,248 | $2,391 |
Find Affordable Volkswagen Golf Car Insurance
Cheapest Car Insurance Companies For A Volkswagen Golf
GEICO offers the most affordable rate at approximately $1,020 annually, which breaks down to about $85 per month. USAA provides competitive pricing with an estimated annual premium of $1,050, translating to roughly $88 monthly. State Farm’s estimated annual premium stands at $1,080, equating to approximately $90 per month. Progressive offers a balanced option with an estimated annual premium of $1,100, or about $92 monthly. Nationwide provides comprehensive coverage options at an estimated annual premium of $1,130, which is around $94 per month.
| Insurance Company | Average Monthly |
|---|---|
| GEICO | $85 |
| USAA | $88 |
| State Farm | $90 |
| Progressive | $92 |
| Nationwide | $94 |
Common Volkswagen Golf Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Ways To Save On Volkswagen Golf Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Volkswagen Golf insurance premiums. Even a single speeding ticket can increase your monthly rate—drivers with a violation on their record may pay around $87 per month, while those with multiple accidents could see rates rise to $100 or more. Safe driving not only keeps you protected on the road but also saves you money. Your annual mileage also plays a role. Those who drive between 5,000 and 7,500 miles per year typically pay about $60 per month, while higher-mileage drivers (over 10,000 miles annually) may pay closer to $80.
Compare Volkswagen Golf To Other Volkswagen Models
Looking for other Volkswagen model insurance costs?
- Volkswagen Arteon Car Insurance
- Volkswagen Atlas Car Insurance
- Volkswagen Jetta Car Insurance
- Volkswagen Passat Car Insurance
- Volkswagen Tiguan Car Insurance
- Volkswagen E-Golf Car Insurance
- Volkswagen Golf R Car Insurance
- Volkswagen Golf Sportwagen Car Insurance
- Volkswagen GTI Car Insurance
- Volkswagen Atlas Cross Sport Car Insurance
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volkswagen Golf?
Yes, you’ll need to show proof of insurance before driving your Volkswagen Golf off the dealership lot. The most efficient and cost-effective way to do this is by purchasing a policy in advance and informing your insurer about the vehicle you plan to buy. This ensures that you’re fully covered from the moment you take ownership. While dealerships may offer to arrange insurance for you, their options are often more expensive or limited. By organizing coverage yourself ahead of time, you can compare rates, choose the best deal, and avoid any last-minute complications during the purchase process.
How Can You Get The Cheapest Insurance For Your Volkswagen Golf?
The most effective way to find the lowest insurance rates for your Volkswagen Golf is to compare quotes from several auto insurance providers. Since each company uses its own criteria to calculate premiums, rates can vary significantly—even for the same driver and vehicle. By shopping around, you can identify the best coverage options at the most competitive prices. Fortunately, Insuranceopedia makes this process simple by allowing you to compare quotes from multiple top-rated insurers directly on our website. This ensures you get the best value for your coverage without the hassle of contacting each company individually.
