Volkswagen Golf R Insurance Rates
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UPDATED: Jun 6, 2024
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Average auto insurance rates for a Volkswagen Golf R are $1,250 annually with full coverage. Comprehensive insurance costs an estimated $244, collision insurance costs $374, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,696 or more. Teenage drivers receive the highest rates at up to $4,814 a year.
Average premium for full coverage: $1,250
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Golf R models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $522 for just liability coverage to the much higher price of $2,696 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities. The example below illustrates how location helps determine insurance prices.
These examples demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on 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.
Detailed Rate Analysis
The chart below details average Volkswagen Golf R insurance rates for other coverage scenarios.
- The best discount rate is $736
- Choosing higher $1,000 deductibles can save approximately $142 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,250
- Using pricier low deductibles for comp and collision coverage costs an additional $270 a year
- High-risk insureds who are prone to accidents and violations could pay up to $2,696
- The cost with full coverage for a teen driver for full coverage can cost as much as $4,814 each year
Auto insurance rates for a Volkswagen Golf R can also vary considerably based on the trim level of your Golf R, your driving record, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,100 in extra premium per year, depending on your age. Volkswagen Golf R insurance for high-risk drivers ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $420 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Volkswagen Golf R insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,690 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,132 | -$118 | -9.4% |
| Alaska | $958 | -$292 | -23.4% |
| Arizona | $1,038 | -$212 | -17.0% |
| Arkansas | $1,250 | -$0 | 0.0% |
| California | $1,426 | $176 | 14.1% |
| Colorado | $1,194 | -$56 | -4.5% |
| Connecticut | $1,286 | $36 | 2.9% |
| Delaware | $1,416 | $166 | 13.3% |
| Florida | $1,564 | $314 | 25.1% |
| Georgia | $1,152 | -$98 | -7.8% |
| Hawaii | $898 | -$352 | -28.2% |
| Idaho | $844 | -$406 | -32.5% |
| Illinois | $930 | -$320 | -25.6% |
| Indiana | $940 | -$310 | -24.8% |
| Iowa | $844 | -$406 | -32.5% |
| Kansas | $1,188 | -$62 | -5.0% |
| Kentucky | $1,704 | $454 | 36.3% |
| Louisiana | $1,848 | $598 | 47.8% |
| Maine | $772 | -$478 | -38.2% |
| Maryland | $1,030 | -$220 | -17.6% |
| Massachusetts | $1,000 | -$250 | -20.0% |
| Michigan | $2,172 | $922 | 73.8% |
| Minnesota | $1,046 | -$204 | -16.3% |
| Mississippi | $1,496 | $246 | 19.7% |
| Missouri | $1,110 | -$140 | -11.2% |
| Montana | $1,342 | $92 | 7.4% |
| Nebraska | $984 | -$266 | -21.3% |
| Nevada | $1,500 | $250 | 20.0% |
| New Hampshire | $898 | -$352 | -28.2% |
| New Jersey | $1,396 | $146 | 11.7% |
| New Mexico | $1,106 | -$144 | -11.5% |
| New York | $1,316 | $66 | 5.3% |
| North Carolina | $718 | -$532 | -42.6% |
| North Dakota | $1,024 | -$226 | -18.1% |
| Ohio | $864 | -$386 | -30.9% |
| Oklahoma | $1,284 | $34 | 2.7% |
| Oregon | $1,144 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$56 | -4.5% |
| Rhode Island | $1,666 | $416 | 33.3% |
| South Carolina | $1,132 | -$118 | -9.4% |
| South Dakota | $1,054 | -$196 | -15.7% |
| Tennessee | $1,094 | -$156 | -12.5% |
| Texas | $1,506 | $256 | 20.5% |
| Utah | $926 | -$324 | -25.9% |
| Vermont | $856 | -$394 | -31.5% |
| Virginia | $748 | -$502 | -40.2% |
| Washington | $968 | -$282 | -22.6% |
| West Virginia | $1,144 | -$106 | -8.5% |
| Wisconsin | $866 | -$384 | -30.7% |
| Wyoming | $1,114 | -$136 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf R | $390 | $688 | $372 | $1,608 |
| 2023 Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| 2022 Volkswagen Golf R | $356 | $656 | $398 | $1,568 |
| 2021 Volkswagen Golf R | $344 | $640 | $416 | $1,558 |
| 2020 Volkswagen Golf R | $332 | $612 | $430 | $1,532 |
| 2019 Volkswagen Golf R | $314 | $592 | $442 | $1,506 |
| 2018 Volkswagen Golf R | $302 | $548 | $452 | $1,460 |
| 2017 Volkswagen Golf R | $290 | $516 | $456 | $1,420 |
| 2016 Volkswagen Golf R | $278 | $464 | $460 | $1,360 |
| 2015 Volkswagen Golf R | $260 | $426 | $460 | $1,304 |
| 2013 Volkswagen Golf R | $244 | $374 | $474 | $1,250 |
| 2012 Volkswagen Golf R | $226 | $346 | $474 | $1,204 |
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 Buy Cheaper Volkswagen Golf R Insurance
Saving money on Volkswagen Golf R insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a condensed summary of the coverage data covered in the charts and tables above.
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $400 each year
- Teen drivers are the costliest to insure, with premiums as much as $401 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents pay on average $1,450 more annually to insure their Golf R
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,814 |
| 20 | $2,858 |
| 30 | $1,290 |
| 40 | $1,250 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,250 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,250 |
| 50/100 | $1,345 |
| 100/300 | $1,463 |
| 250/500 | $1,771 |
| 100 CSL | $1,392 |
| 300 CSL | $1,653 |
| 500 CSL | $1,843 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,832 |
| 20 | $4,560 |
| 30 | $2,736 |
| 40 | $2,696 |
| 50 | $2,574 |
| 60 | $2,548 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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