Volkswagen Golf R Insurance Rates
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Michelle Robbins
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UPDATED: Jun 6, 2024
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The average insurance prices for a Volkswagen Golf R are $1,204 every 12 months for full coverage. Comprehensive costs on average $226, collision costs $346, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,600. Teenage drivers cost the most to insure at $4,682 a year or more.
Average premium for full coverage: $1,204
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Golf R models.
Price Range Variability
For the average 40-year-old driver, Volkswagen Golf R insurance rates go from the cheapest price of $522 for a discount liability-only rate to the much higher price of $2,600 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.
The example below illustrates the difference location can make on car insurance rates.
The examples above show why everyone should compare rates based on a specific location and their own driving history, instead of using 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.
Rates by State, City, and Model
The chart below shows estimated Volkswagen Golf R insurance rates for different risk profiles and scenarios.
- The best discount rate is $711
- Drivers who choose higher $1,000 deductibles will pay around $130 a year
- The average price for a good driver age 40 with $500 deductibles is $1,204
- Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,454
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,600 or more
- Policy cost to insure a teen driver for full coverage may cost $4,682 a year
Insurance rates for a Volkswagen Golf R also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Golf R.
Using high physical damage deductibles could save up to $380 every year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Volkswagen Golf R insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Volkswagen Golf R insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,720 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be varied.
| 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
Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.
The following items are a brief recap of the data that was touched on in this article.
- Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
- Policyholders who require additional liability coverage will pay an extra $520 each year to go from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers pay higher rates, costing up to $390 each month if full coverage is included
- Higher risk drivers who tend to receive serious violations pay an average of $1,400 more each year than a driver with a clean driving record
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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