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 insurance rates for a Volkswagen Golf R are $1,170 a year with full coverage. Comprehensive costs an estimated $220, collision insurance costs $314, and liability is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs around $2,522. Teen drivers receive the highest rates at up to $4,570 a year.
Average premium for full coverage: $1,170
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Golf R trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $526 for basic liability insurance to a much higher rate of $2,522 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using price 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 lowest rate with discounts is $697
- Raising to $1,000 deductibles will save approximately $120 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,170
- Choosing more expensive low deductibles bumps up the cost to $1,404
- At-risk drivers with multiple violations and an at-fault accident could pay up to $2,522
- The cost that insures a teen driver with full coverage can cost as much as $4,570
Auto insurance rates for a Volkswagen Golf R can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 133% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,500 a year. View Rates by Age
Where you live also has a big influence on Volkswagen Golf R insurance prices. A middle-age driver might find rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
Choosing high deductibles can reduce rates by up to $360 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
| 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 Cheaper Volkswagen Golf R Insurance
Saving money on car insurance consists of being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Shop around once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a condensed summary of the data that was covered above.
- You may be able to save approximately $130 per year just by shopping early and online
- Policyholders who want an increased level of liability coverage will pay about $530 every year to raise from a minimum limit to the 250/500 level
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $381 per month if the policy includes full coverage
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,350 more annually than a safer driver
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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