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...

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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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U.S. average insurance rates for a Volkswagen E-Golf are $1,276 a year for full coverage insurance. Comprehensive insurance costs around $258 each year, collision costs $400, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $2,752 or more. 16-year-old drivers pay the highest rates at $4,882 a year or more.

Average premium for full coverage: $1,276

Price estimates for individual coverage:

Comprehensive $258
Collision $400
Liability $460

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and E-Golf models.

Price Range from Low to High

For the average 40-year-old driver, Volkswagen E-Golf insurance prices go from as low as $510 for just liability coverage to a high rate of $2,752 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance rates.

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

The ranges above illustrate why all drivers should get quotes for a specific zip code and risk profile, 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 illustrates estimated Volkswagen E-Golf insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $750
  • Choosing higher $1,000 deductibles can save about $150 each year
  • The average rate for the average middle-age driver using $500 deductibles is $1,276
  • Buying low deductibles for comp and collision coverage will cost an extra $288 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,752 or more
  • The price for full coverage for a 16-year-old driver can be $4,882 each year

View Chart as Image

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

Insurance prices for a Volkswagen E-Golf are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen E-Golf insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,730 on average in Michigan, New York, and Florida.

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

Opting for high physical damage deductibles can save as much as $440 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 Find the Best Cheap Volkswagen E-Golf Insurance

Getting lower rates on insurance for a Volkswagen E-Golf takes having a good driving record, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at every other renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the concepts that were touched on in this article.

  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,480 more every year to buy Volkswagen E-Golf insurance
  • Drivers age 20 and younger pay higher prices, as much as $407 a month for full coverage
  • It is possible to save up to $150 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $450 each year
  • It is possible to save up to $150 per year simply by quoting online in advance

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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