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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U.S. average insurance prices for a Volkswagen Golf R are $1,170 every 12 months for full coverage. Comprehensive costs on average $220 a year, collision costs $314, and liability coverage costs $478. Buying just liability costs as little as $526 a year, with insurance for high-risk drivers costing around $2,522. Teens pay the highest rates at $4,570 a year or more.
Average premium for full coverage: $1,170
Price estimates by individual coverage:
Rate estimates include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Golf R trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Golf R insurance prices go from the cheapest price of $526 for just the minimum liability insurance to a high of $2,522 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above show why it is important to compare rates based on a specific location and their own driving history, 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.
Additional Rate Analysis
The chart below shows estimated Volkswagen Golf R insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $697
- Drivers who choose higher $1,000 deductibles will pay around $1,050 a year
- The average price for the average middle-age driver with $500 deductibles is $1,170
- Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,404
- High-risk insureds with serious driving violations could pay upwards of $2,522 or more
- The price to insure a teenage driver may cost $4,570 a year
Insurance prices for a Volkswagen Golf R are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Golf R.
Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Volkswagen Golf R insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,670 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company calculates prices differently, and prices may be quite different.
| 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 Best Volkswagen Golf R Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a brief recap of the primary concepts that were touched on in this article.
- Drivers can save as much as $130 per year simply by quoting early and online
- Drivers who tend to receive serious violations pay an average of $1,350 more each year for Golf R insurance
- Increasing physical damage deductibles could save as much as $350 each year
- Teens pay higher prices, with premiums as much as $381 a month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,404 |
| $250 | $1,298 |
| $500 | $1,170 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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