Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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Estimated insurance prices for a Volkswagen E-Golf are $1,330 every 12 months with full coverage. Comprehensive insurance costs on average $270 each year, collision costs $446, and liability coverage is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,876 or more. Teenage drivers pay the most at $5,056 a year or more.
Average premium for full coverage: $1,330
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and E-Golf models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volkswagen E-Golf go from the cheapest price of $508 for just the minimum liability insurance to a high rate of $2,876 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.
The graphic below illustrates how location impacts car insurance rates.
These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than 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 details estimated Volkswagen E-Golf insurance rates for different risk profiles and scenarios.
- The best discount rate is $775
- Raising to $1,000 deductibles will save around $162 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,330
- Using low deductibles costs an extra $316 each year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,876 or more
- An auto insurance policy to insure a teenage driver may cost $5,056
Insurance prices for a Volkswagen E-Golf also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your E-Golf.
Using high physical damage deductibles can reduce prices by up to $480 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Volkswagen E-Golf insurance rates. A middle-age driver might find prices as low as $960 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,800 on average in Florida, Michigan, and New York.
| 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.
| 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 Shop for More Affordable Volkswagen E-Golf Insurance
Finding better rates on auto insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every couple of years by quoting rates from direct companies, and also from local exclusive and independent agents.
The points below are a summary of the material that was touched on above.
- Consumers who require increased liability limits will pay an extra $500 every year to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers under the age of 20 pay higher prices, possibly costing $421 per month if full coverage is included
- Drivers who have multiple accidents or major violations may pay on average $1,550 more each year to insure a Volkswagen E-Golf
- Increasing policy deductibles could save as much as $475 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,500 |
| $500 | $1,330 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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