Volkswagen E-Golf Insurance Rates

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Save on 2016 Volkswagen e-Golf Car Insurance Quotes in 2025

Confused by the sheer number of car insurance providers in your area? There are so many options that it can turn into a chore to compare premium rates. If you have car insurance now, you will most likely be able to save some money using this strategy. The purpose of this post is to let you in on the most effective way to quote insurance and some tricks to saving. But vehicle owners must comprehend...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 7, 2024

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U.S. average insurance prices for a Volkswagen E-Golf are $1,276 every 12 months for full coverage insurance. Comprehensive costs approximately $258 each year, collision insurance costs $400, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,752. 16-year-old drivers pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,276

Price estimates by individual coverage:

Comprehensive $258
Collision $400
Liability $460

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and E-Golf models.

Price Range from Low to High

For a driver around age 40, Volkswagen E-Golf insurance prices range from the cheapest price of $510 for just liability insurance to a high rate of $2,752 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,276
High Risk $2,752

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $957
Small Cities $1,340
Large Cities $1,723

The ranges above illustrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below illustrates average Volkswagen E-Golf insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $750
  • Using higher $1,000 deductibles will save $150 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,276
  • Buying low deductibles for physical damage coverage increases the price to $1,564
  • High-risk insureds with multiple tickets or accidents could pay around $2,752
  • The price to insure a 16-year-old driver can cost $4,882 or more

View Chart as Image

Volkswagen E-Golf insurance cost comparison chart
Column chart showing Volkswagen E-Golf insurance rates range from $750 to $4,882 for full coverage

Insurance prices for a Volkswagen E-Golf are also quite variable based on deductibles and policy limits, your risk profile, and the model of your E-Golf.

Opting for high physical damage deductibles could cut prices by as much as $440 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Volkswagen E-Golf insurance prices. A driver around age 40 might see prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.

Volkswagen E-Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,156 -$120 -9.4%
Alaska $980 -$296 -23.2%
Arizona $1,060 -$216 -16.9%
Arkansas $1,276 -$0 0.0%
California $1,454 $178 13.9%
Colorado $1,220 -$56 -4.4%
Connecticut $1,314 $38 3.0%
Delaware $1,446 $170 13.3%
Florida $1,598 $322 25.2%
Georgia $1,178 -$98 -7.7%
Hawaii $918 -$358 -28.1%
Idaho $866 -$410 -32.1%
Illinois $950 -$326 -25.5%
Indiana $962 -$314 -24.6%
Iowa $860 -$416 -32.6%
Kansas $1,214 -$62 -4.9%
Kentucky $1,742 $466 36.5%
Louisiana $1,890 $614 48.1%
Maine $790 -$486 -38.1%
Maryland $1,054 -$222 -17.4%
Massachusetts $1,022 -$254 -19.9%
Michigan $2,220 $944 74.0%
Minnesota $1,070 -$206 -16.1%
Mississippi $1,530 $254 19.9%
Missouri $1,134 -$142 -11.1%
Montana $1,372 $96 7.5%
Nebraska $1,008 -$268 -21.0%
Nevada $1,532 $256 20.1%
New Hampshire $920 -$356 -27.9%
New Jersey $1,428 $152 11.9%
New Mexico $1,132 -$144 -11.3%
New York $1,346 $70 5.5%
North Carolina $734 -$542 -42.5%
North Dakota $1,046 -$230 -18.0%
Ohio $882 -$394 -30.9%
Oklahoma $1,314 $38 3.0%
Oregon $1,170 -$106 -8.3%
Pennsylvania $1,218 -$58 -4.5%
Rhode Island $1,704 $428 33.5%
South Carolina $1,156 -$120 -9.4%
South Dakota $1,078 -$198 -15.5%
Tennessee $1,118 -$158 -12.4%
Texas $1,540 $264 20.7%
Utah $946 -$330 -25.9%
Vermont $874 -$402 -31.5%
Virginia $766 -$510 -40.0%
Washington $990 -$286 -22.4%
West Virginia $1,172 -$104 -8.2%
Wisconsin $884 -$392 -30.7%
Wyoming $1,138 -$138 -10.8%

View Chart as Image

Volkswagen E-Golf insurance rates by U.S. city
Volkswagen E-Golf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Volkswagen E-Golf $282 $474 $452 $1,366
2018 Volkswagen E-Golf $270 $446 $456 $1,330
2017 Volkswagen E-Golf $258 $400 $460 $1,276
2016 Volkswagen E-Golf $242 $368 $460 $1,228

Rates are averaged for all Volkswagen E-Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for More Affordable Volkswagen E-Golf Insurance

Getting lower rates on insurance for a Volkswagen E-Golf requires being a low-risk driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a summary of the information covered above.

  • It is possible to save around $150 per year just by quoting online in advance
  • Teen drivers are expensive to insure, as much as $407 a month if they have full coverage
  • Increasing physical damage deductibles could save as much as $450 each year
  • Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,480 more per year to insure their E-Golf
  • Insureds who purchase more liability coverage will pay around $510 annually to increase from a low limit to a 250/500 level

Rates by Driver Age

Volkswagen E-Golf Insurance Rates by Driver Age
Driver Age Premium
16 $4,882
20 $2,924
30 $1,320
40 $1,276
50 $1,168
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen E-Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,564
$250 $1,432
$500 $1,276
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen E-Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,276
50/100 $1,368
100/300 $1,483
250/500 $1,782
100 CSL $1,414
300 CSL $1,667
500 CSL $1,851

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen E-Golf Insurance Rates for High Risk Drivers
Age Premium
16 $6,932
20 $4,658
30 $2,800
40 $2,752
50 $2,630
60 $2,606

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $175

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $82
Paid in Full/EFT $54
Advance Quote $60
Online Quote $89
Total Discounts $526
Rate after discounts $750

Discounts are estimated and may not be available from every company or in every state.

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