Volkswagen Golf R Insurance Rates

The average auto insurance rates for a Volkswagen Golf R are $1,204 annually for full coverage insurance. Comprehensive insurance costs approximately $226 a year, collision costs $346, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,600 or more. Teenage drivers cost the most to insure at $4,682 a year or more.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Golf R trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated Volkswagen Golf R insurance rates for additional coverage and risk scenarios.

• The best discount rate is $711
• Raising to $1,000 deductibles will save $1,074 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,204
• Using low $100 deductibles costs an additional $250 annually
• Drivers who are prone to accidents and violations could pay around $2,600 or more
• Policy cost with full coverage for a 16-year-old driver can cost $4,682

View Chart as Image

Insurance rates for a Volkswagen Golf R also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $380 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Volkswagen Golf R insurance prices. A middle-age driver might find rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,630 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied between companies.

How to Buy the Cheapest Volkswagen Golf R Insurance

Finding cheaper rates on insurance for a Volkswagen Golf R consists of having a decent driving record, having good credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a recap of the data touched on in this article.

• Insureds who purchase additional liability coverage will pay an extra $520 annually to raise from a 30/60 limit to higher 250/500 limits
• It is possible to save around $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $375 each year
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $390 each month if they have full coverage