Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Volkswagen Golf? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Volkswagen Golf car insurance facts

  • Average full coverage auto insurance premium: $101/month

  • Most affordable insurance companies: GEICO ($85/month) & Progressive ($94/month)

  • Golf car insurance cost vs. average rate: $57 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volkswagen Golf by model year and car insurance company.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Volkswagen Golf car insurance costs by state:

Risk factors affecting Volkswagen Golf car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Volkswagen Golf car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volkswagen models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volkswagen Automobile Brand

Volkswagen Group is the world’s largest automobile manufacturer overtaking Toyota, selling nearly 12 million vehicles worldwide and in the United States market. The target market of Volkswagen is urban and suburban consumers from 24 to 50 years old. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Tiguan, Beetle, Jetta, and Passat are some of their most popular vehicles.

Higher than average Golf repair costs equal higher coverage rates

Many consumers are attracted to the Volkswagen cars for the performance, safety ratings, and driver-assist technologies, such as the forward-collision warning system. Automotive parts are pretty common, but not a cheap as popular vehicles, like Toyota or Honda. Repairing a Volkswagen is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volkswagen’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Volkswagen Golf affecting auto policies

Volkswagens are one of the fastest depreciating automobiles in the U.S. market, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volkswagen models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Volkswagen’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (Attentiveness Monitoring), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volkswagen models. The Tiguan, Golf GTI, and Jetta are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Volkswagen top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Volkswagen automobile owners when buying a car insurance policy.

2021 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1702
Allied$1716
Allstate$1485
American Family$1354
Amica$1748
Country Financial$1610
Erie$1284
GEICO$1026
Kentucky Farm Bureau$1649
Liberty Mutual$1290
Mercury$1430
Nationwide$1305
Progressive$1130
State Farm$1162
Tennessee Farmers$1426
Texas Farm Bureau$1344
The Hanover$1692
Travelers$1524

Compare all 2021 Volkswagen Golf rates

Average Cost to Insure Per Year

$1220

List Price

$23195

Trims Available

1.8T S - 1.8T Wolfsburg Edition - 1.8T SE - 1.8T SEL - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2020 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1659
Allstate$1389
American Family$1243
Country Financial$1557
Erie$1087
GEICO$953
Kentucky Farm Bureau$1635
Liberty Mutual$1132
Mercury$1348
Nationwide$1164
Progressive$969
State Farm$1003
Tennessee Farmers$1302
Texas Farm Bureau$1138
The Hanover$1643
Travelers$1482

Compare all 2020 Volkswagen Golf rates

Average Cost to Insure Per Year

$1218

List Price

$23195

Trims Available

1.8T S - 1.8T Wolfsburg Edition - 1.8T SE - 1.8T SEL - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2019 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1633
Allstate$1350
American Family$1204
Country Financial$1541
Erie$1026
GEICO$923
Kentucky Farm Bureau$1591
Liberty Mutual$1056
Mercury$1309
Nationwide$1105
Progressive$946
State Farm$987
Tennessee Farmers$1256
Texas Farm Bureau$1114
The Hanover$1615
Travelers$1426

Compare all 2019 Volkswagen Golf rates

Average Cost to Insure Per Year

$1119

List Price

$21845

Trims Available

1.8T S - 1.8T Wolfsburg Edition - 1.8T SE - 1.8T SEL - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2018 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1620
Allstate$1329
American Family$1184
Country Financial$1536
Erie$956
GEICO$880
Kentucky Farm Bureau$1580
Liberty Mutual$1024
Mercury$1287
Nationwide$1066
Progressive$899
State Farm$936
Tennessee Farmers$1243
Texas Farm Bureau$1145
The Hanover$1600
Travelers$1420

Compare all 2018 Volkswagen Golf rates

Average Cost to Insure Per Year

$1098

List Price

$20910

Trims Available

1.8T S - 1.8T Wolfsburg Edition - 1.8T SE - 1.8T SEL - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2017 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1119
Acuity$ 1119
Allied$ 1077
Allied$ 1077
Arbella$ 1178
Arbella$ 1178
Country$ 1197
Country$ 1197
Erie$ 871
Erie$ 871
GEICO$ 1208
GEICO$ 1208
Nationwide$ 1223
Nationwide$ 1223
Plymouth Rock Insurance$ 1048
Plymouth Rock Insurance$ 1048
Tennessee Farmers$ 1212
Tennessee Farmers$ 1212
Texas Farm Bureau$ 879
Texas Farm Bureau$ 879
USAA$ 1054
USAA$ 1054
Vermont Mutual$ 1013
Vermont Mutual$ 1013

Compare all 2017 Volkswagen Golf rates

Average Cost to Insure Per Year

$ 1117

List Price

$ 19895

Trims Available

1.8T S - 1.8T Wolfsburg Edition - 1.8T SE - 1.8T SEL

2016 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1088
Acuity$ 1088
American Family$ 1126
American Family$ 1126
Country$ 1126
Country$ 1126
Erie$ 722
Erie$ 722
GEICO$ 582
GEICO$ 582
Nationwide$ 1015
Nationwide$ 1015
Plymouth Rock Insurance$ 1025
Plymouth Rock Insurance$ 1025
Progressive$ 769
Progressive$ 769
State Farm$ 930
State Farm$ 930
Texas Farm Bureau$ 824
Texas Farm Bureau$ 824
USAA$ 904
USAA$ 904
Vermont Mutual$ 973
Vermont Mutual$ 973

Compare all 2016 Volkswagen Golf rates

Average Cost to Insure Per Year

$ 993

List Price

$ 18995

Trims Available

TDI S - TDI SE - TDI SEL - 1.8T Base PZEV - 1.8T S PZEV - 1.8T SE PZEV - 1.8T SEL PZEV

2015 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1090
Acuity$ 1090
Country$ 1155
Country$ 1155
Erie$ 751
Erie$ 751
GEICO$ 615
GEICO$ 615
Nationwide$ 1078
Nationwide$ 1078
Plymouth Rock Insurance$ 984
Plymouth Rock Insurance$ 984
Progressive$ 831
Progressive$ 831
State Farm$ 938
State Farm$ 938
Tennessee Farmers$ 1012
Tennessee Farmers$ 1012
Texas Farm Bureau$ 823
Texas Farm Bureau$ 823
USAA$ 842
USAA$ 842
Vermont Mutual$ 981
Vermont Mutual$ 981

Compare all 2015 Volkswagen Golf rates

Average Cost to Insure Per Year

$ 1010

List Price

$ 17995

Trims Available

1.8T Launch Edition PZEV - 1.8T S PZEV - TDI S - 1.8T SE PZEV - TDI SE - 1.8T Sport PZEV - 1.8T SEL PZEV - TDI SEL

2014 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1110
Acuity$ 1110
Allied$ 1218
Allied$ 1218
Country$ 1211
Country$ 1211
Erie$ 780
Erie$ 780
GEICO$ 1101
GEICO$ 1101
Mercury$ 1163
Mercury$ 1163
Plymouth Rock Insurance$ 983
Plymouth Rock Insurance$ 983
Progressive$ 1134
Progressive$ 1134
Tennessee Farmers$ 1051
Tennessee Farmers$ 1051
Texas Farm Bureau$ 808
Texas Farm Bureau$ 808
USAA$ 976
USAA$ 976
Vermont Mutual$ 999
Vermont Mutual$ 999

Compare all 2014 Volkswagen Golf rates

Average Cost to Insure Per Year

$ 1134

List Price

$ 19995

Trims Available

2.5L PZEV - TDI

2013 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1003
Acuity$ 1003
American Family$ 942
American Family$ 942
Country$ 1052
Country$ 1052
Erie$ 635
Erie$ 635
GEICO$ 526
GEICO$ 526
Plymouth Rock Insurance$ 959
Plymouth Rock Insurance$ 959
Progressive$ 715
Progressive$ 715
State Farm$ 698
State Farm$ 698
Tennessee Farmers$ 951
Tennessee Farmers$ 951
Texas Farm Bureau$ 830
Texas Farm Bureau$ 830
USAA$ 647
USAA$ 647
Vermont Mutual$ 922
Vermont Mutual$ 922

Compare all 2013 Volkswagen Golf rates

Average Cost to Insure Per Year

$ 878

List Price

$ 18095

Trims Available

2.5L - 2.5L PZEV - TDI

2012 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 969
Acuity$ 969
American Family$ 983
American Family$ 983
Country$ 1071
Country$ 1071
Erie$ 623
Erie$ 623
GEICO$ 520
GEICO$ 520
Plymouth Rock Insurance$ 934
Plymouth Rock Insurance$ 934
Progressive$ 681
Progressive$ 681
State Farm$ 716
State Farm$ 716
Tennessee Farmers$ 957
Tennessee Farmers$ 957
Texas Farm Bureau$ 774
Texas Farm Bureau$ 774
USAA$ 695
USAA$ 695
Vermont Mutual$ 881
Vermont Mutual$ 881

Compare all 2012 Volkswagen Golf rates

Average Cost to Insure Per Year

$ 882

List Price

$ 17995

Trims Available

2.5L - 2.5L PZEV - TDI

2011 Volkswagen Golf

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 949
American Family$ 949
Arbella$ 999
Arbella$ 999
Country$ 1001
Country$ 1001
Erie$ 619
Erie$ 619
GEICO$ 504
GEICO$ 504
Plymouth Rock Insurance$ 908
Plymouth Rock Insurance$ 908
Progressive$ 765
Progressive$ 765
State Farm$ 812
State Farm$ 812
Tennessee Farmers$ 920
Tennessee Farmers$ 920
Texas Farm Bureau$ 761
Texas Farm Bureau$ 761
USAA$ 698
USAA$ 698
Vermont Mutual$ 799
Vermont Mutual$ 799

Compare all 2011 Volkswagen Golf rates

Average Cost to Insure Per Year

$ 903

List Price

$ 17995

Trims Available

2.5L - 2.5L PZEV - TDI