Volkswagen E-Golf Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 7, 2024
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Estimated insurance prices for a Volkswagen E-Golf are $1,330 every 12 months with full coverage. Comprehensive insurance costs on average $270, collision costs $446, and liability is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing $2,876 or more. 16-year-old drivers pay the most at $5,056 a year or more.
Average premium for full coverage: $1,330
Premium estimates by type of coverage:
Rate estimates include $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all E-Golf models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volkswagen E-Golf go from the cheapest price of $508 for just liability insurance to the much higher price of $2,876 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities.
The example below illustrates how geographic area affects car insurance rates.
These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, 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.
More Rate Details
The chart below details estimated Volkswagen E-Golf insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $775
- Raising to $1,000 deductibles will save around $162 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,330
- Buying pricier low deductibles costs an extra $316 every year
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,876 or more
- An auto insurance policy to insure a teen driver for full coverage may cost $5,056
Car insurance prices for a Volkswagen E-Golf also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your E-Golf.
Opting for high physical damage deductibles can reduce prices by up to $480 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. Volkswagen E-Golf insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Volkswagen E-Golf insurance prices. A middle-age driver might find prices as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,204 | -$126 | -9.5% |
| Alaska | $1,020 | -$310 | -23.3% |
| Arizona | $1,104 | -$226 | -17.0% |
| Arkansas | $1,330 | -$0 | 0.0% |
| California | $1,518 | $188 | 14.1% |
| Colorado | $1,272 | -$58 | -4.4% |
| Connecticut | $1,368 | $38 | 2.9% |
| Delaware | $1,508 | $178 | 13.4% |
| Florida | $1,666 | $336 | 25.3% |
| Georgia | $1,228 | -$102 | -7.7% |
| Hawaii | $956 | -$374 | -28.1% |
| Idaho | $898 | -$432 | -32.5% |
| Illinois | $992 | -$338 | -25.4% |
| Indiana | $1,002 | -$328 | -24.7% |
| Iowa | $898 | -$432 | -32.5% |
| Kansas | $1,264 | -$66 | -5.0% |
| Kentucky | $1,816 | $486 | 36.5% |
| Louisiana | $1,970 | $640 | 48.1% |
| Maine | $822 | -$508 | -38.2% |
| Maryland | $1,096 | -$234 | -17.6% |
| Massachusetts | $1,064 | -$266 | -20.0% |
| Michigan | $2,312 | $982 | 73.8% |
| Minnesota | $1,114 | -$216 | -16.2% |
| Mississippi | $1,594 | $264 | 19.8% |
| Missouri | $1,180 | -$150 | -11.3% |
| Montana | $1,430 | $100 | 7.5% |
| Nebraska | $1,048 | -$282 | -21.2% |
| Nevada | $1,596 | $266 | 20.0% |
| New Hampshire | $958 | -$372 | -28.0% |
| New Jersey | $1,488 | $158 | 11.9% |
| New Mexico | $1,180 | -$150 | -11.3% |
| New York | $1,402 | $72 | 5.4% |
| North Carolina | $768 | -$562 | -42.3% |
| North Dakota | $1,088 | -$242 | -18.2% |
| Ohio | $918 | -$412 | -31.0% |
| Oklahoma | $1,366 | $36 | 2.7% |
| Oregon | $1,220 | -$110 | -8.3% |
| Pennsylvania | $1,270 | -$60 | -4.5% |
| Rhode Island | $1,776 | $446 | 33.5% |
| South Carolina | $1,204 | -$126 | -9.5% |
| South Dakota | $1,122 | -$208 | -15.6% |
| Tennessee | $1,164 | -$166 | -12.5% |
| Texas | $1,604 | $274 | 20.6% |
| Utah | $986 | -$344 | -25.9% |
| Vermont | $912 | -$418 | -31.4% |
| Virginia | $798 | -$532 | -40.0% |
| Washington | $1,028 | -$302 | -22.7% |
| West Virginia | $1,220 | -$110 | -8.3% |
| Wisconsin | $922 | -$408 | -30.7% |
| Wyoming | $1,186 | -$144 | -10.8% |
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen E-Golf | $282 | $474 | $452 | $1,366 |
| 2018 Volkswagen E-Golf | $270 | $446 | $456 | $1,330 |
| 2017 Volkswagen E-Golf | $258 | $400 | $460 | $1,276 |
Rates are averaged for all Volkswagen E-Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Volkswagen E-Golf Insurance
Finding better rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates every couple of years by requesting quotes from direct companies, and also from local exclusive and independent agents.
The following is a brief recap of the material that was presented in the illustrations above.
- Policyholders who require higher liability limits will pay around $500 every year to raise from 30/60 bodily injury limits to a 250/500 level
- Teens are expensive to insure, possibly costing $421 per month if the policy includes full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $1,550 more each year for E-Golf insurance
- Increasing policy deductibles could save as much as $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,056 |
| 20 | $3,058 |
| 30 | $1,378 |
| 40 | $1,330 |
| 50 | $1,216 |
| 60 | $1,192 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,500 |
| $500 | $1,330 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,330 |
| 50/100 | $1,421 |
| 100/300 | $1,535 |
| 250/500 | $1,832 |
| 100 CSL | $1,467 |
| 300 CSL | $1,718 |
| 500 CSL | $1,900 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,196 |
| 20 | $4,870 |
| 30 | $2,926 |
| 40 | $2,876 |
| 50 | $2,746 |
| 60 | $2,722 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $94 |
| Total Discounts | $555 |
Discounts are estimated and may not be available from every company or in every state.
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