Volkswagen Golf R Insurance Rates
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UPDATED: Jun 6, 2024
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U.S. average insurance rates for a Volkswagen Golf R are $1,170 a year for full coverage. Comprehensive insurance costs approximately $220 a year, collision costs $314, and liability is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing $2,522 or more. 16-year-old drivers pay the highest rates at $4,570 a year or more.
Average premium for full coverage: $1,170
Price estimates by individual coverage:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical 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 low end price of $526 for a discount liability-only rate to a high of $2,522 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above show why it is important to get quotes using their specific location, instead of 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 shows estimated Volkswagen Golf R insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $697
- Choosing higher $1,000 deductibles can save $1,050 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,170
- Buying low $100 deductibles for comp and collision coverage will cost an additional $234 every year
- Unlucky drivers with multiple tickets or accidents could pay around $2,522 or more
- The price that insures a teen driver can cost $4,570 each year
Insurance prices for a Volkswagen Golf R are also quite variable based on the trim level of your Golf R, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volkswagen Golf R insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,670 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $360 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each auto insurer utilizes a different rate formula, 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 Find Affordable Volkswagen Golf R Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop every time your policy renews by getting quotes from direct carriers, and also from insurance agencies where you live.
The following is a brief review of the information touched on in this article.
- Drivers can save around $130 per year simply by quoting early and online
- Teens are the costliest to insure, with premiums as much as $381 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $350 each year
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,350 more per year for Golf R insurance
- Policyholders who purchase higher liability limits will pay around $530 each year to raise limits from a low limit to the 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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