Volkswagen E-Golf Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 7, 2024

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Average auto insurance rates for a Volkswagen E-Golf are $1,330 annually for full coverage. Comprehensive costs on average $270, collision insurance costs $446, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,876. Teenage drivers receive the highest rates at up to $5,056 a year.

Average premium for full coverage: $1,330

Rate estimates by individual coverage type:

Comprehensive $270
Collision $446
Liability $456

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different E-Golf trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as cheap as $508 for just the minimum liability insurance to a much higher rate of $2,876 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,330
High Risk $2,876

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using 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.

Additional Rate Analysis

The chart below shows average Volkswagen E-Golf insurance rates for different risk profiles and scenarios.

  • The best discount rate is $775
  • Drivers who choose higher $1,000 deductibles will pay around $162 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,330
  • Using more expensive low deductibles for comprehensive and collision insurance will cost $1,646
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,876
  • The cost with full coverage for a teen driver with full coverage may cost $5,056 a year

View Chart as Image

Volkswagen E-Golf insurance cost comparison chart
Column chart showing Volkswagen E-Golf insurance rates range from $775 to $5,056 for full coverage

Insurance rates for a Volkswagen E-Golf can also vary considerably based on the trim level of your E-Golf, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volkswagen E-Golf insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,900 on average in Michigan, Louisiana, and New York.

Volkswagen E-Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,204 -$126 -9.5%
Alaska $1,020 -$310 -23.3%
Arizona $1,104 -$226 -17.0%
Arkansas $1,330 -$0 0.0%
California $1,518 $188 14.1%
Colorado $1,272 -$58 -4.4%
Connecticut $1,368 $38 2.9%
Delaware $1,508 $178 13.4%
Florida $1,666 $336 25.3%
Georgia $1,228 -$102 -7.7%
Hawaii $956 -$374 -28.1%
Idaho $898 -$432 -32.5%
Illinois $992 -$338 -25.4%
Indiana $1,002 -$328 -24.7%
Iowa $898 -$432 -32.5%
Kansas $1,264 -$66 -5.0%
Kentucky $1,816 $486 36.5%
Louisiana $1,970 $640 48.1%
Maine $822 -$508 -38.2%
Maryland $1,096 -$234 -17.6%
Massachusetts $1,064 -$266 -20.0%
Michigan $2,312 $982 73.8%
Minnesota $1,114 -$216 -16.2%
Mississippi $1,594 $264 19.8%
Missouri $1,180 -$150 -11.3%
Montana $1,430 $100 7.5%
Nebraska $1,048 -$282 -21.2%
Nevada $1,596 $266 20.0%
New Hampshire $958 -$372 -28.0%
New Jersey $1,488 $158 11.9%
New Mexico $1,180 -$150 -11.3%
New York $1,402 $72 5.4%
North Carolina $768 -$562 -42.3%
North Dakota $1,088 -$242 -18.2%
Ohio $918 -$412 -31.0%
Oklahoma $1,366 $36 2.7%
Oregon $1,220 -$110 -8.3%
Pennsylvania $1,270 -$60 -4.5%
Rhode Island $1,776 $446 33.5%
South Carolina $1,204 -$126 -9.5%
South Dakota $1,122 -$208 -15.6%
Tennessee $1,164 -$166 -12.5%
Texas $1,604 $274 20.6%
Utah $986 -$344 -25.9%
Vermont $912 -$418 -31.4%
Virginia $798 -$532 -40.0%
Washington $1,028 -$302 -22.7%
West Virginia $1,220 -$110 -8.3%
Wisconsin $922 -$408 -30.7%
Wyoming $1,186 -$144 -10.8%

View Chart as Image

Volkswagen E-Golf insurance rates by U.S. city
Volkswagen E-Golf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Volkswagen E-Golf $292 $512 $442 $1,404
2018 Volkswagen E-Golf $282 $474 $452 $1,366
2017 Volkswagen E-Golf $270 $446 $456 $1,330
2016 Volkswagen E-Golf $258 $400 $460 $1,276

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 Buy More Affordable Volkswagen E-Golf Insurance

Saving money on car insurance not only requires having a decent driving record, but also having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Set aside time to compare rates every year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following items are a summary of the coverage data covered above.

  • Drivers can save as much as $160 per year just by shopping early and online
  • Increasing deductibles could save up to $475 each year
  • 16 to 18-year-old drivers pay the highest rates, costing as high as $421 per month including comprehensive and collision insurance
  • Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,550 more each year than a driver with a clean driving record

Rates by Driver Age

Volkswagen E-Golf Insurance Rates by Driver Age
Driver Age Premium
16 $5,056
20 $3,058
30 $1,378
40 $1,330
50 $1,216
60 $1,192

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen E-Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,500
$500 $1,330
$1,000 $1,168

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen E-Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,330
50/100 $1,421
100/300 $1,535
250/500 $1,832
100 CSL $1,467
300 CSL $1,718
500 CSL $1,900

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen E-Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,196
20 $4,870
30 $2,926
40 $2,876
50 $2,746
60 $2,722

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 $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $94
Total Discounts $555
Rate after discounts $775

Discounts are estimated and may not be available from every company or in every state.

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