Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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The average insurance prices for a Volkswagen E-Golf are $1,228 every 12 months for full coverage insurance. Comprehensive costs around $242, collision insurance costs $368, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,648. Teenage drivers cost the most to insure at up to $4,730 a year.
Average premium for full coverage: $1,228
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different E-Golf trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen E-Golf insurance rates range from the cheapest price of $510 for just liability coverage to a much higher rate of $2,648 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.
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.
Detailed Rate Analysis
The chart below illustrates average Volkswagen E-Golf insurance rates for additional coverage choices and driver risks.
- The best discount rate is $724
- Raising to $1,000 deductibles will save about $138 each year
- The average price for a good driver age 40 using $500 deductibles is $1,228
- Using more expensive low deductibles increases the price to $1,496
- Drivers who are prone to accidents and violations could pay at least $2,648
- Policy cost to insure a 16-year-old driver with full coverage can be $4,730
Car insurance rates for a Volkswagen E-Golf also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $410 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Volkswagen E-Golf insurance prices. A middle-age driver might find rates as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,110 | -$118 | -9.6% |
| Alaska | $942 | -$286 | -23.3% |
| Arizona | $1,020 | -$208 | -16.9% |
| Arkansas | $1,228 | -$0 | 0.0% |
| California | $1,400 | $172 | 14.0% |
| Colorado | $1,174 | -$54 | -4.4% |
| Connecticut | $1,262 | $34 | 2.8% |
| Delaware | $1,390 | $162 | 13.2% |
| Florida | $1,536 | $308 | 25.1% |
| Georgia | $1,134 | -$94 | -7.7% |
| Hawaii | $882 | -$346 | -28.2% |
| Idaho | $832 | -$396 | -32.2% |
| Illinois | $914 | -$314 | -25.6% |
| Indiana | $924 | -$304 | -24.8% |
| Iowa | $828 | -$400 | -32.6% |
| Kansas | $1,168 | -$60 | -4.9% |
| Kentucky | $1,676 | $448 | 36.5% |
| Louisiana | $1,818 | $590 | 48.0% |
| Maine | $760 | -$468 | -38.1% |
| Maryland | $1,014 | -$214 | -17.4% |
| Massachusetts | $984 | -$244 | -19.9% |
| Michigan | $2,134 | $906 | 73.8% |
| Minnesota | $1,028 | -$200 | -16.3% |
| Mississippi | $1,472 | $244 | 19.9% |
| Missouri | $1,088 | -$140 | -11.4% |
| Montana | $1,320 | $92 | 7.5% |
| Nebraska | $968 | -$260 | -21.2% |
| Nevada | $1,474 | $246 | 20.0% |
| New Hampshire | $886 | -$342 | -27.9% |
| New Jersey | $1,374 | $146 | 11.9% |
| New Mexico | $1,088 | -$140 | -11.4% |
| New York | $1,294 | $66 | 5.4% |
| North Carolina | $708 | -$520 | -42.3% |
| North Dakota | $1,006 | -$222 | -18.1% |
| Ohio | $848 | -$380 | -30.9% |
| Oklahoma | $1,262 | $34 | 2.8% |
| Oregon | $1,126 | -$102 | -8.3% |
| Pennsylvania | $1,172 | -$56 | -4.6% |
| Rhode Island | $1,640 | $412 | 33.6% |
| South Carolina | $1,112 | -$116 | -9.4% |
| South Dakota | $1,036 | -$192 | -15.6% |
| Tennessee | $1,076 | -$152 | -12.4% |
| Texas | $1,482 | $254 | 20.7% |
| Utah | $908 | -$320 | -26.1% |
| Vermont | $842 | -$386 | -31.4% |
| Virginia | $734 | -$494 | -40.2% |
| Washington | $950 | -$278 | -22.6% |
| West Virginia | $1,126 | -$102 | -8.3% |
| Wisconsin | $850 | -$378 | -30.8% |
| Wyoming | $1,096 | -$132 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen E-Golf | $270 | $446 | $456 | $1,330 |
| 2018 Volkswagen E-Golf | $258 | $400 | $460 | $1,276 |
| 2017 Volkswagen E-Golf | $242 | $368 | $460 | $1,228 |
| 2016 Volkswagen E-Golf | $234 | $346 | $464 | $1,202 |
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
Finding cheaper rates on insurance for a Volkswagen E-Golf consists of avoiding accidents and violations, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a summary of the information raised in the charts and tables above.
- It is possible to save up to $140 per year just by shopping early and online
- Teenagers are the costliest to insure, possibly costing $394 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,420 more every year for car insurance
- Insureds who may need higher liability limits will pay an extra $510 annually to raise from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,730 |
| 20 | $2,812 |
| 30 | $1,266 |
| 40 | $1,228 |
| 50 | $1,124 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,496 |
| $250 | $1,372 |
| $500 | $1,228 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,228 |
| 50/100 | $1,320 |
| 100/300 | $1,435 |
| 250/500 | $1,734 |
| 100 CSL | $1,366 |
| 300 CSL | $1,619 |
| 500 CSL | $1,803 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,708 |
| 20 | $4,480 |
| 30 | $2,690 |
| 40 | $2,648 |
| 50 | $2,530 |
| 60 | $2,506 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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