Volkswagen Golf insurance group and cost

The Volkswagen Golf is one of the most popular cars on the road. This best-seller has been around for more than four decades, hitting the road for the first time in 1974, and has since seen seven different generations.

In this guide, we look at Volkswagen Golf car insurance costs and how you could save on your premiums.

Volkswagen Golf insurance groups and cost by driver’s age

In the UK, vehicles are categorised into insurance groups ranging from group 1 (the cheapest) to group 50 (the most expensive) which partly determine the cost of your premium.

Golf models range from insurance groups 7 to 39, so the cost of insurance can vary significantly. As an example, a 30-year-old driver in an average postcode could pay

• around £689 for cover on a group 7 car, like a Volkswagen Golf 1.2 TSI Bluemotion Tech S 3d
• or around £1,571 for a car in group 39, such as the Volkswagen Golf R 2.0 TSI BMT 310PS 4Motion DSG auto 03/17 on 3d.

That’s a difference of more than £300 across insurance groups for the same make of car. The insurance group a particular model is placed in depends on a number of different factors, including the car’s price.

However, the insurance group isn’t the only factor determining the cost of your car insurance; one of the most important other factors is your age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance.

That’s why, in the table below, we show you the insurance group for each Golf model and also the likely cost at a few different ages.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused)

How much does it cost to insure a Volkswagen Golf?

To give you an idea of how much it could cost you to insure your Golf, we ran a number of quotes to find an average figure. Our results estimated that, on average, you could insure your Volkswagen Golf with a comprehensive policy for monthly payments of £77.03, or an annual payment of £808.40.

• How we got these rates

  We generated these quotes using the following assumptions.

  The vehicle is/has:

  • 2018 model
  • Manual transmission
  • Petrol
  • 1.2 litre engine
  • Factory-fitted Thatcham-approved alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • Parked in a work car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old, single teacher living in London
  • A homeowner
  • 5 years no claims discount
  • No driving or other convictions in the last 5 years

What other factors affect my Volkswagen Golf insurance rate?

We’ve covered insurance groups and age. Here are some of the other factors that affect your insurance premium costs:

• Your marital status
• Where you live
• Your credit history and job
• Your car’s safety rating
• The age and model of your car
• Your car’s security and any anti-theft precautions
• Annual miles driven
• The size of your car’s engine
• Your driving history and activity
• No claims discount

How can I save on my Volkswagen Golf premiums?

When searching for car insurance, you’ll want to find the best deal for a price that’s within your budget. We’ve uncovered some tricks you can try to lower the cost of your premium: take a look below.

• Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Pay annually rather than monthly. It might be scary to part with a large sum of money in one go, but if you’re able to pay annually you can save an average of £115.96 a year.
• Install extra safety precautions.The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you’re quite likely to lower your premium.
• Don’t just accept your renewal quote. When it’s time for renewal, it’s worth investing a couple of hours to shop around: there may be cheaper options out there.

Is a Volkswagen Golf cheap to insure?

Finder insurance expert Danny Butler answers

Let’s say you’re doing everything you can from the list above: you’re driving less, you’re paying annually, you’re shopping around for insurance quotes. Does that mean you’ll find a Volkswagen Golf cheap to insure?

As with any make of car, the cost of your insurance will depend on many things, including the model you go for and which insurance group it’s in. Volkswagen Golf models range from insurance groups 7 to 39, so you can look for models in lower insurance groups to keep your costs down.

One factor affecting insurance groups is engine size. The size of engine in a Golf varies depending on the model you choose. You can also choose between petrol and diesel engines, with different levels of performance.

Finally, the safer your car is, the lower your premium is likely to be.

How safe is the Volkswagen Golf?

When Euro NCAP tested the Volkswagen Golf in 2019, it received a 5/5 safety rating. It was deemed to have great frontal and lateral crash protection for passengers, and scored an incredibly high 95% for adult occupants’ safety.

The Golf comes with a number of technological features that help keep you and your car safe. Front Assist alerts you of obstructions in front of you to avoid any bumps, whilst City Emergency Braking with Pedestrian Monitoring can censor anything in front of you and any pedestrians in the immediate area and stop the car if there is a danger of collision.

For more details about optional safety features that you might want to invest in, visit the Volkswagen website. Ask your insurer what extra safety and security features you can add in return for lower premiums.

Bottom line

As a general rule, the pricier your Golf, the more you’ll have to spend in insurance premiums. Whichever model you have, it’s worth doing a little research and shopping around for the best deals.

Frequently asked questions

• What is the top speed of a Volkswagen Golf?

  Depending on the model version, you can expect a Volkswagen Golf to reach a top speed of 155 miles per hour.

• How much car tax do I have to pay for the Volkswagen Golf?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Volkswagen Golf?

  You can buy a Volkswagen Golf at dealerships, using online sellers or from a current owner.

• Where can I find Volkswagen Golf car insurance?

  You can compare the costs of Volkswagen Golf car insurance using any price comparison website.

• Is a Volkswagen Golf a good first car?

  Yes: in fact, AutoTrader awarded it their “best car for new drivers” in 2019. Drivers and reviewers praise its reliability and manoeuvrability.
  

• Is the Volkswagen Golf being phased out?

  Possibly. From 2030 VW will be producing only electric vehicles. In 2021 the company announced there would be a new generation of Golfs before then; but in July 2022 the CEO, Thomas Schäfer, told the German press that the future of the Golf would be decided over the following 12 months.

• Does a Volkswagen Golf use a lot of fuel?

  WhatCar rates both the petrol and diesel models well for fuel economy.

Compare insurance for other Volkswagen models

Written by

Grace Fletcher-Hackwood

Writer

Grace was a Finder writer specialising in credit and loans. She's been writing about personal finance for several years and enjoys helping consumers sort the facts from the fluff. See full bio