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

Licensed Insurance Producer

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

Average premium for full coverage: $1,276

Rate estimates by individual coverage type:

Comprehensive $258
Collision $400
Liability $460

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and E-Golf models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $510 for basic liability insurance to a high rate of $2,752 for coverage for higher-risk drivers.

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

Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.

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

These examples demonstrate why all drivers should compare prices based on a specific location and their own driving history, rather than using averaged prices.

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.

Rate Comparisons

The chart below details average Volkswagen E-Golf insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $750
  • Using higher $1,000 deductibles will save around $150 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,276
  • Selecting low deductibles for physical damage coverage costs an extra $288 each year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,752
  • The cost to insure a teenage driver may cost $4,882 or more

View Chart as Image

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

Insurance rates for a Volkswagen E-Golf can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your E-Golf.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Volkswagen E-Golf insurance rates. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.

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 the Right Volkswagen E-Golf Insurance

Saving money on auto insurance requires being a good driver, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the primary concepts that were touched on in this article.

  • You may be able to save as much as $150 per year just by quoting online in advance
  • Drivers with reckless driving or DUI convictions may pay on average $1,480 more each year than a safer driver
  • Increasing deductibles could save as much as $450 each year
  • Drivers age 16 to 20 pay higher rates, with premiums as much as $407 per month if full coverage is included

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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