Volkswagen Golf R Insurance Rates
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UPDATED: Jun 6, 2024
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U.S. average auto insurance rates for a Volkswagen Golf R are $1,250 annually including full coverage. Comprehensive insurance costs an estimated $244, collision insurance costs $374, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $2,696 or more. Teenage drivers pay the highest rates at up to $4,814 a year.
Average premium for full coverage: $1,250
Price estimates broken down by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Golf R trim levels.
Price Range from Low to High
For the average driver, Volkswagen Golf R insurance prices range from as cheap as $522 for your basic liability-only policy to a much higher rate of $2,696 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on 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.
More Rate Information
The chart below breaks down average Volkswagen Golf R insurance rates for other coverage scenarios.
- The best discount rate is $736
- Using higher $1,000 deductibles will save approximately $142 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,250
- Using more expensive low deductibles for physical damage coverage costs an additional $270 annually
- High-risk insureds who are prone to accidents and violations could pay up to $2,696
- The price with full coverage for a 16-year-old driver with full coverage can cost as much as $4,814 or more
Insurance prices for a Volkswagen Golf R are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be from 44% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $420 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Volkswagen Golf R insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Buy the Best Cheap Volkswagen Golf R Insurance
Getting lower rates on insurance for a Volkswagen Golf R requires avoiding accidents and violations, having a good credit history, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a quick review of the car insurance concepts touched on above.
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,450 more annually for car insurance
- You may be able to save approximately $150 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $400 each year
- Insureds who want higher liability limits will pay an extra $520 per year to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,250 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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