Volkswagen E-Golf Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 7, 2024
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U.S. average insurance prices for a Volkswagen E-Golf are $1,228 every 12 months for full coverage insurance. Comprehensive insurance costs on average $242, collision costs $368, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing $2,648 or more. Teen drivers pay the highest rates at $4,730 a year or more.
Average premium for full coverage: $1,228
Price estimates by individual coverage:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different E-Golf trim levels.
Price Range from Low to High
For a 40-year-old driver, Volkswagen E-Golf insurance prices go from the cheapest price of $510 for basic liability insurance to a much higher rate of $2,648 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how your location can change car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using 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.
Rate Comparisons
The chart below illustrates estimated Volkswagen E-Golf insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $724
- Raising to $1,000 deductibles will save around $138 each year
- The average price for the average middle-age driver with $500 deductibles is $1,228
- Choosing more expensive low deductibles costs an extra $268 every year
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,648 or more
- The price to insure a teen driver with full coverage may cost $4,730
Insurance prices for a Volkswagen E-Golf are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your E-Golf.
Choosing high deductibles can reduce prices by up to $410 every year, while increasing your policy's liability limits will cost you more. 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
An older driver with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 136% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Volkswagen E-Golf insurance prices. A middle-age driver might find prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices may be quite different.
| 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 the Cheapest Volkswagen E-Golf Insurance
Getting lower rates on car insurance consists of having a decent driving record, having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a recap of the data that was illustrated above.
- It is possible to save as much as $140 per year simply by shopping early and online
- Policyholders who require additional liability coverage will pay about $510 annually to raise from a low limit to a 250/500 level
- 16 to 18-year-old drivers pay the highest prices, as much as $394 a month if they have full coverage
- Higher risk drivers that have major violations or accidents pay on average $1,420 more each year than a driver with a clean driving record
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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