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...
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UPDATED: Jun 6, 2024
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Average auto insurance rates for a Volkswagen Golf R are $1,170 annually for full coverage. Comprehensive insurance costs approximately $220, collision insurance costs $314, and liability costs $478. A liability-only policy costs as little as $526 a year, and high-risk insurance costs $2,522 or more. Teens receive the highest rates at up to $4,570 a year.
Average premium for full coverage: $1,170
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different Golf R trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as cheap as $526 for liability-only coverage to a much higher rate of $2,522 for a high-risk driver policy.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.
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.
Additional Charts and Tables
The chart below shows average Volkswagen Golf R insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $697
- Drivers who choose higher $1,000 deductibles will pay $120 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,170
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $234 every year
- Higher-risk drivers with serious driving violations could pay around $2,522
- The cost with full coverage for a teen driver with full coverage can cost $4,570 a year
Insurance rates for a Volkswagen Golf R can also vary considerably based on the trim level of your Golf R, your driver profile, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $360 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Volkswagen Golf R insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or have to pay 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% |
| 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 Buy Low Cost Volkswagen Golf R Insurance
Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
Below is a review of the information covered above.
- Drivers can save around $130 per year just by shopping early and online
- Teenage drivers are expensive to insure, costing as high as $381 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $350 each year
- Higher risk drivers who have several accidents or serious violations pay on average $1,350 more per year for auto insurance
- Policyholders who purchase higher levels of liability will pay approximately $530 each year to go from a minimum limit to higher 250/500 limits
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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