Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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The average auto insurance rates for a Volkswagen E-Golf are $1,228 annually with full coverage. Comprehensive costs on average $242, collision costs $368, and liability coverage costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $2,648. Teen drivers cost the most to insure at $4,730 a year or more.
Average premium for full coverage: $1,228
Policy rates by type of insurance:
Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different E-Golf trim levels.
Price Range Variability
For a 40-year-old driver, Volkswagen E-Golf insurance rates go from as cheap as $510 for just the minimum liability insurance to a much higher rate of $2,648 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.
The price range example below illustrates how your location can change car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than 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.
Additional Rate Analysis
The chart below details estimated Volkswagen E-Golf insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $724
- Drivers who choose higher $1,000 deductibles will pay around $138 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,228
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,496
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,648 or more
- Policy cost with full coverage for a teenage driver with full coverage may cost $4,730 a year
Insurance rates for a Volkswagen E-Golf also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $410 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volkswagen E-Golf insurance rates. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,660 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different rate calculation, so the rates will be varied between companies.
| 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 Buy Cheaper Volkswagen E-Golf Insurance
Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and bundling your home and auto policies. Invest the time to shop around at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a condensed summary of the data illustrated above.
- Consumers who require higher levels of liability will pay about $510 every year to go from a 30/60 limit to higher 250/500 limits
- You may be able to save as much as $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Teenage drivers pay the highest rates, as much as $394 each month including comprehensive and collision insurance
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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