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Volkswagen Golf car insurance

Compare insurance for your Volkswagen Golf

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How much does it cost to insure a Volkswagen Golf?

The average cost of insuring a Volkswagen Golf is around £460^{^} a year for a fully comprehensive policy, though your premium will vary depending on your age, driving history, and the specific model. Standard trims are generally affordable to insure, while sportier versions such as the GTI or R fall into higher insurance groups and cost more.

Running costs for the Golf are reasonable, with good fuel efficiency in smaller engines and higher servicing costs only on performance models. Most standard Golfs are straightforward to insure, as insurers see them as reliable and widely owned, but premiums rise with more powerful engines.

Average policy price:

£460^

Based on fully comprehensive policies for all drivers across the UK.

Is the Volkswagen Golf expensive to run?

The Volkswagen Golf is generally considered affordable to run, but some high performance models may be more expensive to run than standard Golfs due to their higher fuel consumption. Hybrid models offer better fuel economy, with the eHybrid models achieving very high MPG figures.

Are Volkswagen Golfs difficult to insure?

The cost of insurance for a Volkswagen Golf will depend on the exact model. You’ll pay a lot more to insure a sporty Golf GTI than a cheaper model such as a Golf Plus Luna (75) or Golf S (75).

What's the best insurance for a Volkswagen Golf?

The best insurance for a Volkswagen Golf is usually fully comprehensive cover, as it provides the widest protection and can often be cheaper than third-party options. This type of policy covers your own car as well as other vehicles, people, and property—offering valuable peace of mind whether you drive a standard Golf or a sportier GTI or R model with higher repair costs.

Third party, fire and theft insurance only protects against damage or injury to others and risks such as fire or theft, while third party only cover is the legal minimum and does not insure your own car. For most Golf drivers, fully comprehensive insurance strikes the right balance of cost and protection.

You can usually make insurance for a Volkswagen Golf cheaper by comparing policies carefully and adjusting how you arrange your cover. Standard Golf models are relatively affordable to insure, but sportier versions like the GTI or R fall into higher groups, so it’s worth being strategic.

The most effective ways to cut costs include comparing quotes around 20 days before renewal, paying annually rather than monthly, and raising your voluntary excess if you can afford it. Driving safely to avoid penalties, parking your Golf in a garage or secure car park, and limiting optional extras you don’t need will also help reduce premiums.

Over time, building up a no-claims discount is one of the best ways to secure lower insurance prices. Younger or less experienced Golf drivers may also benefit from adding a named older driver with a clean record to their policy.

Volkswagen Golf models fall into insurance groups ranging from 7 to 39 – so, some lower insurance groups and some much higher ones. The insurance group will depend on the specific model, spec and engine size.

This table shows insurance groups for some common models:

Model	Insurance group
1.2 TSI Bluemotion Tech S 3d	7
1.6 TDI (105bhp) Match 5d	10
S 1.0 TSI 115PS 3d	13
2.0 TDI GTD (Nav) 5d DSG	26
R 2.0 TSI BMT 310PS 4Motion DSG auto 03/17 on 3d	39

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What cover do I need for my Volkswagen Golf?

For a Volkswagen Golf, the most suitable choice is usually fully comprehensive cover, as it provides the broadest protection and is often more cost-effective than third-party policies. This type of insurance covers your own car as well as other vehicles, people, and property, and also protects against theft, fire, medical expenses, and legal costs. Given that higher-spec Golf models such as the GTI or R can be costly to repair, this level of cover offers valuable peace of mind.

Other options include:

Fully comprehensive

✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Medical expenses
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
Third-party, fire and theft

✔ Injuries and damage to others
✔ Fire damage to your car
✔ Theft of your car
Third-party only

✔ Legal requirement
✔ Injuries and damage to others

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Reviewed on 8 Dec 2025 by

Collette Shackleton

Content Writer