Volkswagen Golf R Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2024

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Average insurance rates for a Volkswagen Golf R are $1,204 a year for full coverage. Comprehensive costs around $226, collision insurance costs $346, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,600. Teenage drivers receive the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,204

Rate estimates for individual coverage type:

Comprehensive $226
Collision $346
Liability $474

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Golf R models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $522 for the bare minimum liability coverage to the much higher price of $2,600 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,204
High Risk $2,600

Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

These examples show why everyone should compare prices for a specific zip code, rather than relying 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.

Additional Rate Information

The chart below shows 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 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,204
  • Using pricier low deductibles for physical damage coverage bumps up the cost to $1,454
  • Drivers who are prone to accidents and violations could pay at least $2,600
  • The cost that insures a teen driver for full coverage can be $4,682 or more

View Chart as Image

Volkswagen Golf R insurance cost comparison chart
Column chart showing Volkswagen Golf R insurance rates range from $711 to $4,682 for full coverage

Insurance rates for a Volkswagen Golf R can also vary considerably based on the model of your Golf R, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. Volkswagen Golf R insurance for high-risk drivers can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

Where you live has a huge impact on Volkswagen Golf R insurance rates. A driver around age 40 might see rates as low as $800 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,720 on average in Michigan, Louisiana, and New York.

Volkswagen Golf R Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,090 -$114 -9.5%
Alaska $924 -$280 -23.3%
Arizona $1,000 -$204 -16.9%
Arkansas $1,204 -$0 0.0%
California $1,372 $168 14.0%
Colorado $1,150 -$54 -4.5%
Connecticut $1,238 $34 2.8%
Delaware $1,364 $160 13.3%
Florida $1,508 $304 25.2%
Georgia $1,112 -$92 -7.6%
Hawaii $864 -$340 -28.2%
Idaho $814 -$390 -32.4%
Illinois $898 -$306 -25.4%
Indiana $906 -$298 -24.8%
Iowa $814 -$390 -32.4%
Kansas $1,146 -$58 -4.8%
Kentucky $1,644 $440 36.5%
Louisiana $1,782 $578 48.0%
Maine $744 -$460 -38.2%
Maryland $994 -$210 -17.4%
Massachusetts $964 -$240 -19.9%
Michigan $2,094 $890 73.9%
Minnesota $1,008 -$196 -16.3%
Mississippi $1,442 $238 19.8%
Missouri $1,070 -$134 -11.1%
Montana $1,294 $90 7.5%
Nebraska $948 -$256 -21.3%
Nevada $1,446 $242 20.1%
New Hampshire $868 -$336 -27.9%
New Jersey $1,348 $144 12.0%
New Mexico $1,066 -$138 -11.5%
New York $1,268 $64 5.3%
North Carolina $694 -$510 -42.4%
North Dakota $988 -$216 -17.9%
Ohio $832 -$372 -30.9%
Oklahoma $1,238 $34 2.8%
Oregon $1,104 -$100 -8.3%
Pennsylvania $1,150 -$54 -4.5%
Rhode Island $1,606 $402 33.4%
South Carolina $1,092 -$112 -9.3%
South Dakota $1,018 -$186 -15.4%
Tennessee $1,056 -$148 -12.3%
Texas $1,454 $250 20.8%
Utah $892 -$312 -25.9%
Vermont $824 -$380 -31.6%
Virginia $722 -$482 -40.0%
Washington $934 -$270 -22.4%
West Virginia $1,104 -$100 -8.3%
Wisconsin $834 -$370 -30.7%
Wyoming $1,074 -$130 -10.8%

View Chart as Image

Volkswagen Golf R insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $380 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Volkswagen Golf R Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Golf R $372 $660 $390 $1,580
2023 Volkswagen Golf R $356 $656 $398 $1,568
2022 Volkswagen Golf R $344 $640 $416 $1,558
2021 Volkswagen Golf R $332 $612 $430 $1,532
2020 Volkswagen Golf R $314 $592 $442 $1,506
2019 Volkswagen Golf R $302 $548 $452 $1,460
2018 Volkswagen Golf R $290 $516 $456 $1,420
2017 Volkswagen Golf R $278 $464 $460 $1,360
2016 Volkswagen Golf R $260 $426 $460 $1,304
2015 Volkswagen Golf R $250 $400 $464 $1,272
2013 Volkswagen Golf R $226 $346 $474 $1,204
2012 Volkswagen Golf R $220 $314 $478 $1,170

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 More Affordable Volkswagen Golf R Insurance

Saving money on Volkswagen Golf R insurance requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Compare prices at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a summary of the car insurance concepts presented in the illustrations above.

  • High-risk drivers who have multiple accidents or major violations pay on average $1,400 more every year than a low-risk driver
  • Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $375 each year
  • Drivers who may need more liability protection will pay an extra $520 each year to increase from a minimum limit to the 250/500 level

Rates by Driver Age

Volkswagen Golf R Insurance Rates by Driver Age
Driver Age Premium
16 $4,682
20 $2,760
30 $1,240
40 $1,204
50 $1,102
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf R Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,454
$250 $1,340
$500 $1,204
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf R Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,204
50/100 $1,299
100/300 $1,417
250/500 $1,725
100 CSL $1,346
300 CSL $1,607
500 CSL $1,797

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf R Insurance Rates for High Risk Drivers
Age Premium
16 $6,638
20 $4,402
30 $2,638
40 $2,600
50 $2,486
60 $2,460

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.

SR-22 Surcharge $165

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $77
Paid in Full/EFT $49
Advance Quote $56
Online Quote $84
Total Discounts $493
Rate after discounts $711

Discounts are estimated and may not be available from every company or in every state.

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