Volkswagen Golf R Insurance Rates
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Michelle Robbins
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UPDATED: Jun 6, 2024
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Estimated insurance rates for a Volkswagen Golf R are $1,204 a year including full coverage. Comprehensive insurance costs an estimated $226, collision insurance costs $346, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,600 or more. Teens pay the most at up to $4,682 a year.
Average premium for full coverage: $1,204
Premium estimates broken down by type of coverage:
Prices include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Golf R models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volkswagen Golf R range from as low as $522 for basic liability insurance to the much higher price of $2,600 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.
These rate differences highlight why everyone should get quotes for a targeted area and risk profile, rather than using averaged prices.
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.
Rate Comparisons
The chart below breaks down average Volkswagen Golf R insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $711
- Choosing higher $1,000 deductibles can save approximately $130 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,204
- Selecting pricier low deductibles for comp and collision coverage will cost an extra $250 each year
- Drivers with serious driving violations could pay up to $2,600
- An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,682 each year
Auto insurance prices for a Volkswagen Golf R also have a wide range based on your driving characteristics, the model of your Golf R, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,600 a year. View Rates by Age
Where you choose to 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 $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,720 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $380 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $1,400 to $2,000 in extra premium annually, depending on your age. Volkswagen Golf R insurance for high-risk drivers ranges around 43% to 130% more than the average policy. View High Risk Driver Rates
| 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 Find the Right Volkswagen Golf R Insurance
Finding better rates on auto insurance takes having a good driving record, having good credit, refrain from filing small claims, and consideration of higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick rundown of the material that was covered in the charts and tables above.
- Consumers who want increased levels of liability coverage will pay approximately $520 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger are the costliest to insure, with the cost nearing $390 per month if they have full coverage
- Drivers with reckless driving or DUI convictions may pay on average $1,400 more annually to buy Volkswagen Golf R insurance
- Increasing policy deductibles can save around $375 each year
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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