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 $1,228 a year including full coverage. Comprehensive insurance costs on average $242 each year, collision insurance costs $368, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,648 or more. 16-year-old drivers cost the most to insure at up to $4,730 a year.
Average premium for full coverage: $1,228
Policy rates by type of insurance:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and E-Golf models.
Price Range Variability
For a driver around age 40, Volkswagen E-Golf insurance rates range from the low end price of $510 for just liability coverage to a high rate of $2,648 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why all drivers should compare prices based on a specific location, 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.
Detailed Rate Analysis
The chart below breaks down average Volkswagen E-Golf insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $724
- Using higher $1,000 deductibles will save around $138 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,228
- Buying low deductibles for physical damage coverage will cost an additional $268 annually
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,648
- Policy cost that insures a 16-year-old driver may cost $4,730 or more
Insurance rates for a Volkswagen E-Golf also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers can be from 42% to 136% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age
Your home state has a huge impact on Volkswagen E-Golf insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,750 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $410 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
| 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 Find Cheap Volkswagen E-Golf Insurance
Finding cheaper rates on insurance for a Volkswagen E-Golf requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop at every other renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The points below are a brief summary of the concepts that were covered above.
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,420 more each year to insure a Volkswagen E-Golf
- Drivers under the age of 20 pay higher rates, with premiums being up to $394 each month if comprehensive and collision insurance is included
- You may be able to save as much as $140 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- You may be able to save as much as $140 per year just by quoting online in advance
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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