Volkswagen Golf R Insurance Rates

U.S. average insurance rates for a Volkswagen Golf R are $1,204 a year including full coverage. Comprehensive costs around $226 each year, collision insurance costs $346, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,600. Teenage drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,204

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Golf R models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down average Volkswagen Golf R insurance rates for additional coverage choices and driver risks.

• The best discount rate is $711
• Using higher $1,000 deductibles will save about $130 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,204
• Using low deductibles for physical damage coverage will increase the cost to $1,454
• High-risk insureds who are prone to accidents and violations could pay at least $2,600
• The price for full coverage for a 16-year-old driver can be $4,682 or more

View Chart as Image

Insurance prices for a Volkswagen Golf R are also quite variable based on your driving record, the model of your Golf R, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

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 $930 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,720 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $380 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Volkswagen Golf R Insurance

Getting lower rates on insurance for a Volkswagen Golf R requires being a good driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a brief summary of the coverage data illustrated above.

• You may be able to save up to $140 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $375 each year
• Drivers age 16 to 20 are charged the highest prices, possibly costing $390 a month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,400 more every year than a safer driver