2020 Volkswagen Golf Car Insurance Calculator

See in real-time how different risk factors influence insurance rates for a 2020 Volkswagen Golf. Experiment with your marital status, location, homeowner status, and credit rating to see the impact on rates. Instantly know if the choices you make are positive or negative.

The average estimated car insurance premium for a 2020 Volkswagen Golf is $1,732 per year, or about $144 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,732

Cost Per Month

$144

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Volkswagen Golf Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2020 Volkswagen Golf.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,732
Average Rate
Your Rate
$1,732

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2020 Volkswagen Golf trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Volkswagen Golf is $1,732.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Volkswagen Golf vs. the Small Car Segment

The table below compares insurance rates for the 2020 Volkswagen Golf against all other models in the small car segment. The Volkswagen Golf is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Volkswagen Golf, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Volkswagen Golf.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Volkswagen Golf Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$146
2Honda Fit$1,648-$84
3Fiat 500L$1,666-$66
4Toyota Corolla$1,690-$42
5Volkswagen Golf$1,732--
6Toyota Yaris$1,752$20
7Subaru Impreza$1,778$46
8Fiat 124 Spider$1,806$74
9Nissan Sentra$1,820$88
10Mazda 3$1,834$102
11Honda Civic$1,874$142
12Kia Rio$1,880$148
13Hyundai Accent$1,898$166
14Kia Forte$1,916$184
2020 Small Car Average$1,973$241
15Toyota Prius$2,024$292
16Hyundai Veloster$2,080$348
17Volkswagen GTI$2,088$356
18Volkswagen Jetta$2,100$368
19Nissan Versa$2,110$378
20Nissan Leaf$2,128$396
21Mitsubishi Mirage G4$2,130$398
22Chevrolet Sonic$2,168$436
23Honda Clarity$2,206$474
24Hyundai Elantra$2,230$498
25Hyundai Ioniq$2,274$542
26Toyota 86$2,406$674
27Toyota Mirai$2,460$728

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 Golf Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Volkswagen Golf.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Volkswagen Golf Insurance Rates by Trim Level
2020 Volkswagen Golf Trim Level Annual Premium Cost Per Month
ALLTrack S 4Motion Station Wagon$1,584$132
S Station Wagon$1,586$132
1.4 S Hatchback$1,626$136
S 4Motion Station Wagon$1,680$140
ALLTrack SE 4Motion Station Wagon$1,708$142
1.4 SE Hatchback$1,724$144
SE Station Wagon$1,802$150
ALLTrack SEL 4Motion Station Wagon$1,820$152
R 4Motion Hatchback$2,072$173

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Volkswagen Golf for different driver ages.

2020 Volkswagen Golf Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,127$511
17$5,959$497
18$5,380$448
19$4,877$406
20$3,743$312
21$3,572$298
22$3,206$267
23$2,609$217
24$2,475$206
25$2,014$168
30$1,854$155
35$1,778$148
40$1,732$144
45$1,622$135
50$1,532$128
55$1,432$119
60$1,436$120
65$1,534$128
70$1,644$137
75$1,922$160
80$2,370$198

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Volkswagen Golf trim levels.