Volkswagen Golf R Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2024

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Estimated insurance rates for a Volkswagen Golf R are $1,250 a year including full coverage. Comprehensive costs approximately $244, collision costs $374, and liability coverage is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy costing around $2,696. 16-year-old drivers pay the most at $4,814 a year or more.

Average premium for full coverage: $1,250

Premium estimates by type of coverage:

Comprehensive $244
Collision $374
Liability $474

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical 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 40-year-old driver, insurance rates for a Volkswagen Golf R go from as low as $522 for a discount liability-only rate to the much higher price of $2,696 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,250
High Risk $2,696

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how your location can change auto insurance prices.

Rural Areas $938
Small Cities $1,313
Large Cities $1,688

These rate differences highlight why everyone should compare rates quotes using their specific location and risk profile, rather than using rate averages.

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 breaks down estimated Volkswagen Golf R insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $736
  • Raising to $1,000 deductibles will save $142 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,250
  • Buying pricier low deductibles will increase the cost to $1,520
  • Unlucky drivers with multiple tickets or accidents could pay around $2,696 or more
  • An auto insurance policy for full coverage for a teenage driver for full coverage can cost $4,814

View Chart as Image

Volkswagen Golf R insurance cost comparison chart
Column chart showing full coverage Volkswagen Golf R insurance rates range from $736 to $4,814

Car insurance prices for a Volkswagen Golf R also have a wide range based on your driving characteristics, the model of your Golf R, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Volkswagen Golf R insurance rates. A middle-age driver might find prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,780 on average in Louisiana, New York, and Michigan.

Volkswagen Golf R Insurance Rates by State
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%

View Chart as Image

Volkswagen Golf R insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $420 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Volkswagen Golf R insurance for high-risk drivers is expensive and can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

Volkswagen Golf R Insurance Rates by Model Year
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 Find Cheap Volkswagen Golf R Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having above-average credit, refrain from filing small claims, and avoiding coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the car insurance concepts illustrated above.

  • Drivers that tend to have accidents or serious violations could be forced to pay on average $1,450 more per year to insure a Volkswagen Golf R
  • You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $400 each year
  • Consumers who purchase increased liability limits will pay around $520 per year to raise from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Volkswagen Golf R Insurance 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

Volkswagen Golf R Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,396
$500 $1,250
$1,000 $1,108

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf R Insurance Rates with Different Liability Limits
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

Volkswagen Golf R Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $736

Discounts are estimated and may not be available from every company or in every state.

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