Volkswagen Golf R Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 6, 2024
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Average insurance prices for a Volkswagen Golf R are $1,204 every 12 months for full coverage insurance. Comprehensive insurance costs on average $226, collision insurance costs $346, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,600 or more. Teenage drivers receive the highest rates at up to $4,682 a year.
Average premium for full coverage: $1,204
Rate estimates by individual coverage type:
Rate estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Golf R models.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $522 for minimum levels of liability insurance to the much higher price of $2,600 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The example below illustrates how location impacts car insurance rates.
These examples illustrate why everyone should compare prices based on a specific location and their own driving history, 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.
Additional Rate Details
The chart below illustrates average Volkswagen Golf R insurance rates for different risk profiles and scenarios.
- The best discount rate is $711
- Using higher $1,000 deductibles will save around $130 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,204
- Using pricier low deductibles for physical damage coverage costs an extra $250 a year
- Drivers who are prone to accidents and violations could pay upwards of $2,600
- The cost to insure a teen driver for full coverage may cost $4,682 or more
Auto insurance rates for a Volkswagen Golf R can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Golf R.
Using high physical damage deductibles could cut rates by as much as $380 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. Volkswagen Golf R insurance for high-risk drivers can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Volkswagen Golf R insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,630 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,090 | -$114 | -9.5% |
| Alaska | $924 | -$280 | -23.3% |
| Arizona | $1,000 | -$204 | -16.9% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,372 | $168 | 14.0% |
| Colorado | $1,150 | -$54 | -4.5% |
| Connecticut | $1,238 | $34 | 2.8% |
| Delaware | $1,364 | $160 | 13.3% |
| Florida | $1,508 | $304 | 25.2% |
| Georgia | $1,112 | -$92 | -7.6% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $814 | -$390 | -32.4% |
| Illinois | $898 | -$306 | -25.4% |
| Indiana | $906 | -$298 | -24.8% |
| Iowa | $814 | -$390 | -32.4% |
| Kansas | $1,146 | -$58 | -4.8% |
| Kentucky | $1,644 | $440 | 36.5% |
| Louisiana | $1,782 | $578 | 48.0% |
| Maine | $744 | -$460 | -38.2% |
| Maryland | $994 | -$210 | -17.4% |
| Massachusetts | $964 | -$240 | -19.9% |
| Michigan | $2,094 | $890 | 73.9% |
| Minnesota | $1,008 | -$196 | -16.3% |
| Mississippi | $1,442 | $238 | 19.8% |
| Missouri | $1,070 | -$134 | -11.1% |
| Montana | $1,294 | $90 | 7.5% |
| Nebraska | $948 | -$256 | -21.3% |
| Nevada | $1,446 | $242 | 20.1% |
| New Hampshire | $868 | -$336 | -27.9% |
| New Jersey | $1,348 | $144 | 12.0% |
| New Mexico | $1,066 | -$138 | -11.5% |
| New York | $1,268 | $64 | 5.3% |
| North Carolina | $694 | -$510 | -42.4% |
| North Dakota | $988 | -$216 | -17.9% |
| Ohio | $832 | -$372 | -30.9% |
| Oklahoma | $1,238 | $34 | 2.8% |
| Oregon | $1,104 | -$100 | -8.3% |
| Pennsylvania | $1,150 | -$54 | -4.5% |
| Rhode Island | $1,606 | $402 | 33.4% |
| South Carolina | $1,092 | -$112 | -9.3% |
| South Dakota | $1,018 | -$186 | -15.4% |
| Tennessee | $1,056 | -$148 | -12.3% |
| Texas | $1,454 | $250 | 20.8% |
| Utah | $892 | -$312 | -25.9% |
| Vermont | $824 | -$380 | -31.6% |
| Virginia | $722 | -$482 | -40.0% |
| Washington | $934 | -$270 | -22.4% |
| West Virginia | $1,104 | -$100 | -8.3% |
| Wisconsin | $834 | -$370 | -30.7% |
| Wyoming | $1,074 | -$130 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| 2023 Volkswagen Golf R | $356 | $656 | $398 | $1,568 |
| 2022 Volkswagen Golf R | $344 | $640 | $416 | $1,558 |
| 2021 Volkswagen Golf R | $332 | $612 | $430 | $1,532 |
| 2020 Volkswagen Golf R | $314 | $592 | $442 | $1,506 |
| 2019 Volkswagen Golf R | $302 | $548 | $452 | $1,460 |
| 2018 Volkswagen Golf R | $290 | $516 | $456 | $1,420 |
| 2017 Volkswagen Golf R | $278 | $464 | $460 | $1,360 |
| 2016 Volkswagen Golf R | $260 | $426 | $460 | $1,304 |
| 2015 Volkswagen Golf R | $250 | $400 | $464 | $1,272 |
| 2013 Volkswagen Golf R | $226 | $346 | $474 | $1,204 |
| 2012 Volkswagen Golf R | $220 | $314 | $478 | $1,170 |
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 Best Volkswagen Golf R Insurance
Saving money on Volkswagen Golf R insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief recap of the data that was touched on above.
- It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
- Drivers who require higher liability limits will pay an extra $520 annually to increase from a minimum limit to a 250/500 level
- Teens are charged the highest rates, costing up to $390 per month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations pay on average $1,400 more each year for Golf R insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $2,760 |
| 30 | $1,240 |
| 40 | $1,204 |
| 50 | $1,102 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,454 |
| $250 | $1,340 |
| $500 | $1,204 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,299 |
| 100/300 | $1,417 |
| 250/500 | $1,725 |
| 100 CSL | $1,346 |
| 300 CSL | $1,607 |
| 500 CSL | $1,797 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,638 |
| 20 | $4,402 |
| 30 | $2,638 |
| 40 | $2,600 |
| 50 | $2,486 |
| 60 | $2,460 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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