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...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
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Estimated insurance prices for a Volkswagen Golf R are $1,170 every 12 months with full coverage. Comprehensive costs an estimated $220, collision insurance costs $314, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs around $2,522. 16-year-old drivers pay the most at up to $4,570 a year.
Average premium for full coverage: $1,170
Premium estimates broken down by type of coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Golf R models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volkswagen Golf R range from the cheapest price of $526 for basic liability insurance to the much higher price of $2,522 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates how location impacts insurance prices.
These rate differences demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below details average Volkswagen Golf R insurance rates for other coverage scenarios.
- The best full coverage rate is $697
- Choosing higher $1,000 deductibles can save approximately $120 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,170
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,404
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,522
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $4,570 each year
Insurance prices for a Volkswagen Golf R also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $360 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $430 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 low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 additional annually, depending on your age. Volkswagen Golf R insurance for high-risk drivers ranges from 42% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Volkswagen Golf R insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or at least $1,580 on average in New York, Michigan, and Florida.
| 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% |
| 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 Affordable Volkswagen Golf R Insurance
Finding better rates on insurance for a Volkswagen Golf R takes avoiding accidents and claims, having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around at least every other year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a brief review of the car insurance concepts touched on above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,350 more annually to insure a Volkswagen Golf R
- You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $350 each year
- Insureds who want increased liability limits will pay around $530 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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