Volkswagen Golf R Insurance Rates

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UPDATED: Jun 6, 2024

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Average insurance prices for a Volkswagen Golf R are $1,170 every 12 months including full coverage. Comprehensive insurance costs on average $220, collision costs $314, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing $2,522 or more. 16-year-old drivers receive the highest rates at $4,570 a year or more.

Average premium for full coverage: $1,170

Rate estimates by individual coverage type:

Comprehensive $220
Collision $314
Liability $478

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Golf R trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $526 for your basic liability-only policy to a much higher rate of $2,522 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $1,170
High Risk $2,522

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $878
Small Cities $1,229
Large Cities $1,580

These examples highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, 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.

More Rate Information

The chart below breaks down estimated Volkswagen Golf R insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $697
  • Raising to $1,000 deductibles will save around $120 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,170
  • Buying more expensive low deductibles costs an extra $234 annually
  • Drivers with multiple tickets or accidents could pay upwards of $2,522 or more
  • The cost to insure a 16-year-old driver with full coverage may cost $4,570

View Chart as Image

Volkswagen Golf R insurance cost comparison chart
Column chart showing full coverage Volkswagen Golf R insurance prices range from $697 to $4,570

Insurance rates for a Volkswagen Golf R can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Golf R.

Opting for high physical damage deductibles can reduce rates by up to $360 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Volkswagen Golf R insurance prices. A middle-age driver might find rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,670 on average in Michigan, New York, and Louisiana.

Volkswagen Golf R Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,060 -$110 -9.4%
Alaska $900 -$270 -23.1%
Arizona $972 -$198 -16.9%
Arkansas $1,170 -$0 0.0%
California $1,334 $164 14.0%
Colorado $1,118 -$52 -4.4%
Connecticut $1,204 $34 2.9%
Delaware $1,326 $156 13.3%
Florida $1,464 $294 25.1%
Georgia $1,080 -$90 -7.7%
Hawaii $840 -$330 -28.2%
Idaho $792 -$378 -32.3%
Illinois $872 -$298 -25.5%
Indiana $882 -$288 -24.6%
Iowa $790 -$380 -32.5%
Kansas $1,114 -$56 -4.8%
Kentucky $1,598 $428 36.6%
Louisiana $1,732 $562 48.0%
Maine $722 -$448 -38.3%
Maryland $966 -$204 -17.4%
Massachusetts $938 -$232 -19.8%
Michigan $2,036 $866 74.0%
Minnesota $980 -$190 -16.2%
Mississippi $1,402 $232 19.8%
Missouri $1,040 -$130 -11.1%
Montana $1,260 $90 7.7%
Nebraska $924 -$246 -21.0%
Nevada $1,404 $234 20.0%
New Hampshire $844 -$326 -27.9%
New Jersey $1,310 $140 12.0%
New Mexico $1,036 -$134 -11.5%
New York $1,234 $64 5.5%
North Carolina $674 -$496 -42.4%
North Dakota $958 -$212 -18.1%
Ohio $808 -$362 -30.9%
Oklahoma $1,202 $32 2.7%
Oregon $1,072 -$98 -8.4%
Pennsylvania $1,118 -$52 -4.4%
Rhode Island $1,562 $392 33.5%
South Carolina $1,060 -$110 -9.4%
South Dakota $988 -$182 -15.6%
Tennessee $1,028 -$142 -12.1%
Texas $1,412 $242 20.7%
Utah $868 -$302 -25.8%
Vermont $800 -$370 -31.6%
Virginia $700 -$470 -40.2%
Washington $904 -$266 -22.7%
West Virginia $1,072 -$98 -8.4%
Wisconsin $810 -$360 -30.8%
Wyoming $1,044 -$126 -10.8%

View Chart as Image

Volkswagen Golf R insurance rates by U.S. city

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.

Volkswagen Golf R Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Golf R $356 $656 $398 $1,568
2023 Volkswagen Golf R $344 $640 $416 $1,558
2022 Volkswagen Golf R $332 $612 $430 $1,532
2021 Volkswagen Golf R $314 $592 $442 $1,506
2020 Volkswagen Golf R $302 $548 $452 $1,460
2019 Volkswagen Golf R $290 $516 $456 $1,420
2018 Volkswagen Golf R $278 $464 $460 $1,360
2017 Volkswagen Golf R $260 $426 $460 $1,304
2016 Volkswagen Golf R $250 $400 $464 $1,272
2015 Volkswagen Golf R $244 $374 $474 $1,250
2013 Volkswagen Golf R $220 $314 $478 $1,170
2012 Volkswagen Golf R $206 $288 $474 $1,126

Rates are averaged for all Volkswagen Golf R 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 the Cheapest Volkswagen Golf R Insurance

Saving money on insurance for a Volkswagen Golf R consists of being a low-risk driver, having good credit, not filing small claims, and bundling your home and auto policies. Take the time to comparison shop every other policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the ideas that were touched on in the above illustrations.

  • Teen drivers pay the highest rates, as much as $381 per month if they have full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,350 more each year to insure their Golf R
  • Increasing deductibles could save as much as $350 each year
  • You may be able to save as much as $130 per year simply by shopping early and online

Rates by Driver Age

Volkswagen Golf R Insurance Rates by Driver Age
Driver Age Premium
16 $4,570
20 $2,674
30 $1,202
40 $1,170
50 $1,074
60 $1,050

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf R Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,404
$250 $1,298
$500 $1,170
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf R Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,170
50/100 $1,266
100/300 $1,385
250/500 $1,696
100 CSL $1,313
300 CSL $1,576
500 CSL $1,768

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf R Insurance Rates for High Risk Drivers
Age Premium
16 $6,468
20 $4,264
30 $2,554
40 $2,522
50 $2,410
60 $2,386

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 $159

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $62
Homeowner $20
5-yr Accident Free $76
5-yr Claim Free $74
Paid in Full/EFT $46
Advance Quote $53
Online Quote $81
Total Discounts $473
Rate after discounts $697

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

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