Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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The average insurance rates for a Volkswagen E-Golf are $1,276 a year with full coverage. Comprehensive insurance costs approximately $258, collision insurance costs $400, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,752 or more. Teen drivers cost the most to insure at up to $4,882 a year.
Average premium for full coverage: $1,276
Policy rates by type of insurance:
Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different E-Golf trim levels.
Price Range Variability
For a driver in their 40's, Volkswagen E-Golf insurance rates range from the low end price of $510 for the bare minimum liability coverage to a much higher rate of $2,752 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than relying on price 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.
Additional Rate Information
The chart below details average Volkswagen E-Golf insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $750
- Choosing higher $1,000 deductibles can save $150 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,276
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $288 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,752
- Policy cost that insures a teen driver with full coverage can cost $4,882 each year
Car insurance rates for a Volkswagen E-Golf also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Volkswagen E-Golf insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles can save as much as $440 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Find the Right Volkswagen E-Golf Insurance
Finding cheaper rates on Volkswagen E-Golf insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Shop around at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The items below are a quick rundown of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $150 per year just by shopping early and online
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,480 more per year to insure their E-Golf
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Teen drivers pay the highest auto insurance rates, as much as $407 each month if full coverage is purchased
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,564 |
| $250 | $1,432 |
| $500 | $1,276 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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