Updated: October 25, 2024
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If you are looking for insurance to protect your VW Golf, then you can compare VW Golf insurance quotes from different companies. Different insurers will charge different rates depending on your VW Golf’s year, so shopping around can ensure you get the best price on your policy.
The average insurance cost for a VW Golf is $1,176 per year, which is $251 less than the average across all vehicles.
The cost of insuring your VW Golf can change by $533 depending on the insurance company you choose.
The insurance cost of your VW Golf can vary up to $343 per year depending on its age. The older it gets, the cheaper the insurance cost will be.
The cost of insuring any car changes according to the insurance company you choose. The average cost to insure a VW Golf is $1,176 per year.
The cheapest car insurance company for a VW Golf is GEICO at an average of $979 per year, while the most expensive company is Allstate at $1,513 annually. This is a potential savings of $533 annually.
MoneyGeek collected data according to a sample driver profile of a 40-year-old male. The driver has 100/300/100 liability insurance with comprehensive and collision coverage.
Company | Average Annual Rates |
|---|---|
$979 | |
$984 | |
$1,020 | |
$1,148 | |
$1,305 | |
Allied | $1,508 |
$1,513 |
Insurance companies rate car models as expensive, inexpensive or modest to insure depending on various factors. These can include the car’s value, horsepower, theft rates and more.
A VW Golf is inexpensive to insure because of its low value as well as its low horsepower. Since the car is of low value, the repair costs will be low as well. Similarly, for vehicles with low horsepower, the car is less powerful and thus is less likely to get into major accidents.
While searching for the best car insurance for your VW Golf, you must look into factors aside from the cost. These can include how financially stable the insurer is, whether the customers are satisfied with the services or not, affordability, number of complaints received per year and more.
MoneyGeek evaluated these criteria and found that the best insurance provider for a VW Golf is GEICO.
If you have the older version of VW Golf, then it will be cheaper to insure because of depreciation. As a vehicle’s value goes down, collision and comprehensive insurance become less expensive as well.
For a 2005 VW Golf, you could pay an average of $992 to insure the car, while if you bought a brand new 2020 VW Golf, the average cost of insuring it would be $1,335 per year. So, there is a difference of $343 annually.
You can get the cheapest insurance for a 2020 VW Golf model from USAA at $1,122 per year. The insurance cost will vary from one insurance provider to another for the recent model of VW Golf as well.
You can scroll and compare the rates from different insurance companies for the different model years.
Company | Average Annual Rates (2020 model) | Average Annual Rates (2019 model) | Average Annual Rates (2018 model) | Average Annual Rates (2017 model) | Average Annual Rates (2016 model) | Average Annual Rates (2010 model) | Average Annual Rates (2005 model) |
|---|---|---|---|---|---|---|---|
$1,141 | $1,104 | $1,085 | $1,055 | $1,023 | $896 | $857 | |
$1,122 | $1,104 | $1,095 | $1,081 | $1,066 | $917 | $831 | |
$1,221 | $1,195 | $1,182 | $1,162 | $1,140 | $922 | $796 | |
$1,309 | $1,276 | $1,259 | $1,233 | $1,205 | $1,127 | $950 | |
$1,307 | $1,305 | $1,304 | $1,303 | $1,301 | $1,384 | $1,227 | |
Allied | $1,605 | $1,581 | $1,568 | $1,549 | $1,528 | $1,569 | $1,331 |
$1,753 | $1,709 | $1,687 | $1,653 | $1,615 | $1,449 | $1,233 |
Insuring a VW Golf costs roughly $251 less per year than the national average across all cars. This makes it inexpensive to insure. The average cost of insuring a VW Golf is $1,176 per year.
The age of a driver also impacts the cost of car insurance. If the driver is young, the cost of insurance tends to be higher due to a lack of experience.
For a VW Golf, the average cost of insurance is $3,837 for an 18-year-old driver, while the average premium for a 40-year-old driver is $2,661 less per year.
For young drivers, it is better to stay under the insurance coverage of your parents. This way, you can reduce the cost of insuring your VW golf since getting your own policy can be expensive.
You can find the insurance cost for 16- to 25-year-old drivers below.
Age | Average Annual Rates |
|---|---|
16 | $4,919 |
17 | $4,357 |
18 | $3,837 |
19 | $2,748 |
20 | $2,453 |
21 | $1,942 |
22 | $1,788 |
23 | $1,637 |
24 | $1,536 |
25 | $1,394 |
40 | $1,176 |
While the average cost of insurance on this page is based on the national average, costs can vary by state. You can check the insurance cost for your VW Golf according to the state you reside in on our state page analysis.
A car’s model can affect the cost of insurance, but other factors influence the cost as well. Here are a few common questions VW Golf owners have about insurance.
The average cost of insuring your [VW Golf](https://www.moneygeek.com/insurance/auto/vw-golf-insurance/#vw-golf-insurance-by-companyis $1,176 per year. However, the exact cost can change based on the car’s year, age of the driver, location and more.
No, it is not expensive to insure a VW Golf. The average insurance cost for this car is $251 less than the average car insurance cost. This is because the car has a low value and low horsepower.
On average, GEICO provides the cheapest insurance coverage for VW Golf at $979 per year.
On average, Allstate has the highest cost for insuring a VW Golf, which is $1,513 per year.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
