Compare Volkswagen Golf Car Insurance

  • Save up to £523* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

The Volkswagen Golf is undoubtedly one of the most popular cars of all time, with just shy of a million of them on the road in the United Kingdom in 2020. Popular with all age groups, lone drivers and families, there is a Golf for everyone and yet not everyone will pay the same price to insure their Golf.

There are two main reasons for this - the first is that there are many different models of Volkswagen Golf. For example, the VW Golf 2.0 TSI 245 GTI Performance DSG 5d is in insurance group 33 while the Golf 1.2 TSI Bluemotion Tech S 3d is in insurance group 7. The second is that no two Golf drivers are the same. Your age, driving experience, where you live, where you park your car overnight, when and how far you drive, the security features you have fitted to your car, your no claims bonus and even your profession can all have an impact on the price you pay for your insurance policy.

The Free Price Compare insurance quote comparison tool is hassle-free and designed to find you the best-priced policy to suit your needs. By collecting just a few key details, we can provide you with insurance quotes for your Volkswagen Golf from a panel of over 100 insurance companies, to get you the best deal.

In order to make sure you are getting the best possible prices, it is worth noting that accuracy is key. Be specific on your mileage - generally cars that do not travel huge distances cost less to insure. If you have access to overnight off-road parking such as a garage or driveway, tell us - this makes your car far less likely to be stolen or damaged whilst parked and will reduce your premiums.

If your car is sometimes used by an older, experienced driver friend or relative, add them to the policy as a named driver. Do you have a telematics box or additional security features fitted? Make sure that they are declared. If you've completed additional driver training or have specific driving qualifications, declare these too. In short, the more accurate information that you supply, the easier it is for insurers to provide you with an attractive policy and premium.

Finally, if you can pay annually rather than monthly, this will also help you secure the best possible price.

Get Quotes

What Types of Insurance Can You Get for Your Volkswagen Golf?

When insuring your Golf, you've got three main options:

  1. Third-party only: Covers damage to other vehicles or property, but not your own Golf.
  2. Third-party, fire and theft: Adds protection against fire damage and theft to the basic third-party cover.
  3. Comprehensive cover: The most extensive option, covering your Golf as well as other vehicles and property.

Did you know? In 2023, 87% of UK drivers opted for comprehensive cover, according to the Association of British Insurers.

Types of Insurance for Your Volkswagen Golf

What Impacts Your Volkswagen Golf Insurance Premiums?

Several factors influence how much you'll pay to insure your Golf:

  • Your age and driving experience
  • Where you live (urban areas typically have higher premiums)
  • Your annual mileage
  • The Golf model you drive (GTI owners often face higher premiums)
  • Your claims history and no-claims bonus
  • Your occupation

The Financial Conduct Authority ensures insurers use these factors fairly when calculating your premium.

How Do the Golf's Safety Features Affect Your Insurance

How Do the Golf's Safety Features Affect Your Insurance?

The Volkswagen Golf boasts impressive safety credentials, which can lead to lower insurance costs:

  • Euro NCAP 5-star safety rating (2022 model)
  • City Emergency Braking system
  • Front Assist with Pedestrian Protection
  • Lateral crash protection

These features reduce the risk of accidents and injuries, potentially lowering your premiums.

What Extra Cover Options Are Available for Your Golf?

You can tailor your policy with add-ons:

  • Courtesy car cover
  • Legal protection
  • Breakdown cover
  • Personal belongings protection
  • Windscreen cover

Remember, while these extras enhance your cover, they'll also increase your premium.

Get Quotes

How Can a No-Claims Bonus Reduce Your Golf Insurance Costs?

Building up a no-claims bonus (NCB) can significantly cut your insurance costs:

  • 1 year NCB: Average 30% discount
  • 5+ years NCB: Up to 75% discount

Top tip: Some insurers offer NCB protection, allowing you to keep your discount even after making a claim.

What Can Young Drivers Do to Lower Their Golf Insurance Costs?

If you're a young driver with a Golf, try these strategies to reduce your premiums:

  1. Choose a less powerful model (e.g., 1.0-litre engine instead of a GTI)
  2. Consider a black box (telematics) policy
  3. Add an experienced named driver to your policy
  4. Take an advanced driving course
What Can Young Drivers Do to Lower Their Golf Insurance Costs

Why Is Accurate Mileage Estimation Crucial for Your Golf Insurance?

Providing an accurate annual mileage estimate is vital:

  • Underestimating could invalidate your policy
  • Overestimating might lead to unnecessarily high premiums

Pro Tip: Keep a log of your mileage for a few weeks to get an accurate estimate.

How Does Your Golf's Use Affect Insurance Rates?

Your insurance rates can vary based on how you use your Golf:

  • Commuting: Often leads to higher premiums due to rush hour risks
  • Business use: Usually more expensive than personal use
  • Social, domestic, and pleasure: Typically the cheapest option

Be honest about your usage to ensure you're properly covered.

What Should You Know About Insuring Electric and Hybrid Golf Models

What Should You Know About Insuring Electric and Hybrid Golf Models?

The e-Golf and Golf GTE have some unique insurance considerations:

  • Battery cover: Check if it's included or needs separate insurance
  • Charging equipment: Ensure your policy covers damage to home charging units
  • Higher repair costs: Advanced tech can mean pricier repairs

Some insurers offer specialised policies for electric and hybrid vehicles, which might provide better value.

How Do Maintenance Costs Influence Your Golf Insurance?

Keeping your Golf in top nick can affect your insurance:

  • Regular servicing can prevent breakdowns and accidents
  • Using VW-approved parts maintains your Golf's safety standards
  • Some insurers offer discounts for well-maintained vehicles

Remember: Always follow VW's recommended service schedule to keep your Golf running smoothly.

Get Quotes

Why Use Free Price Compare for Your Golf Insurance?

Free Price Compare offers several benefits when shopping for Golf insurance:

Compare quotes from multiple insurers in one place

  • Easily adjust cover levels to see how it affects premiums
  • Find policies tailored to your specific Golf model
  • Potential to save up to £283 on your annual premium (based on 2023 data)

Does the model year of a Volkswagen Golf impact insurance rates?

The model year of a Volkswagen Golf can impact insurance rates. Newer models might have higher insurance premiums due to their higher value and costlier repairs or replacements. Older models could have lower rates, but factors like safety features and driving history also play a role.

Does the model year of a Volkswagen Golf impact insurance rates

Frequently Asked Questions About Volkswagen Golf Car Insurance

The GTI's higher performance typically leads to increased premiums due to the greater perceived risk.

Yes, approved alarms, immobilisers, and tracking devices can often reduce your premiums.

Rural areas often have lower crime rates and less traffic, potentially leading to cheaper insurance.

Golf models range from insurance group 7 to 39, with the 1.0-litre models being the cheapest to insure.

The Golf's 5-star rating can lead to lower premiums as it's considered safer and less likely to result in serious injuries.

Yes, several insurers offer policies specifically for modified cars, including Golf GTIs with performance upgrades.

You can often add breakdown cover to your policy, or purchase it separately from providers like the AA or RAC.

While the warranty itself doesn't directly affect premiums, a car under warranty is often newer and may be cheaper to insure.

Diesel models often have slightly higher premiums due to their higher purchase price and repair costs.

Yes, most insurers allow you to transfer your no-claims bonus when switching policies or cars.

Car Insurance Comparison

Car Insurance Provider

Car Insurance Guides

Page last updated on: 03/07/2024

Page reviewed by: Shay Ramani

4000+ reviews