Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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Average auto insurance rates for a Volkswagen E-Golf are $1,276 annually with full coverage. Comprehensive insurance costs an estimated $258 a year, collision costs $400, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,752 or more. Teenage drivers receive the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,276
Rate estimates broken down by individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and E-Golf trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $510 for the bare minimum liability coverage to a high of $2,752 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
These examples demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, 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 details estimated Volkswagen E-Golf insurance rates for other coverage scenarios.
- The best discount rate is $750
- Using higher $1,000 deductibles will save approximately $1,126 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,276
- Using low $100 deductibles for physical damage coverage costs an additional $288 a year
- Drivers who are prone to accidents and violations could pay up to $2,752 or more
- The cost with full coverage for a teen driver can cost as much as $4,882 or more
Car insurance rates for a Volkswagen E-Golf can also vary considerably based on the trim level of your E-Golf, your driving record, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $440 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Volkswagen E-Golf insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,156 | -$120 | -9.4% |
| Alaska | $980 | -$296 | -23.2% |
| Arizona | $1,060 | -$216 | -16.9% |
| Arkansas | $1,276 | -$0 | 0.0% |
| California | $1,454 | $178 | 13.9% |
| Colorado | $1,220 | -$56 | -4.4% |
| Connecticut | $1,314 | $38 | 3.0% |
| Delaware | $1,446 | $170 | 13.3% |
| Florida | $1,598 | $322 | 25.2% |
| Georgia | $1,178 | -$98 | -7.7% |
| Hawaii | $918 | -$358 | -28.1% |
| Idaho | $866 | -$410 | -32.1% |
| Illinois | $950 | -$326 | -25.5% |
| Indiana | $962 | -$314 | -24.6% |
| Iowa | $860 | -$416 | -32.6% |
| Kansas | $1,214 | -$62 | -4.9% |
| Kentucky | $1,742 | $466 | 36.5% |
| Louisiana | $1,890 | $614 | 48.1% |
| Maine | $790 | -$486 | -38.1% |
| Maryland | $1,054 | -$222 | -17.4% |
| Massachusetts | $1,022 | -$254 | -19.9% |
| Michigan | $2,220 | $944 | 74.0% |
| Minnesota | $1,070 | -$206 | -16.1% |
| Mississippi | $1,530 | $254 | 19.9% |
| Missouri | $1,134 | -$142 | -11.1% |
| Montana | $1,372 | $96 | 7.5% |
| Nebraska | $1,008 | -$268 | -21.0% |
| Nevada | $1,532 | $256 | 20.1% |
| New Hampshire | $920 | -$356 | -27.9% |
| New Jersey | $1,428 | $152 | 11.9% |
| New Mexico | $1,132 | -$144 | -11.3% |
| New York | $1,346 | $70 | 5.5% |
| North Carolina | $734 | -$542 | -42.5% |
| North Dakota | $1,046 | -$230 | -18.0% |
| Ohio | $882 | -$394 | -30.9% |
| Oklahoma | $1,314 | $38 | 3.0% |
| Oregon | $1,170 | -$106 | -8.3% |
| Pennsylvania | $1,218 | -$58 | -4.5% |
| Rhode Island | $1,704 | $428 | 33.5% |
| South Carolina | $1,156 | -$120 | -9.4% |
| South Dakota | $1,078 | -$198 | -15.5% |
| Tennessee | $1,118 | -$158 | -12.4% |
| Texas | $1,540 | $264 | 20.7% |
| Utah | $946 | -$330 | -25.9% |
| Vermont | $874 | -$402 | -31.5% |
| Virginia | $766 | -$510 | -40.0% |
| Washington | $990 | -$286 | -22.4% |
| West Virginia | $1,172 | -$104 | -8.2% |
| Wisconsin | $884 | -$392 | -30.7% |
| Wyoming | $1,138 | -$138 | -10.8% |
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen E-Golf | $270 | $446 | $456 | $1,330 |
| 2018 Volkswagen E-Golf | $258 | $400 | $460 | $1,276 |
| 2017 Volkswagen E-Golf | $242 | $368 | $460 | $1,228 |
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 Buy More Affordable Volkswagen E-Golf Insurance
Saving money on Volkswagen E-Golf insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a summary of the car insurance concepts covered above.
- High-risk drivers who have multiple accidents or major violations pay on average $1,480 more annually to insure their E-Golf
- You may be able to save approximately $150 per year simply by quoting early and online
- Increasing deductibles could save up to $450 each year
- Drivers who want more liability coverage will pay an extra $510 every year to increase from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,882 |
| 20 | $2,924 |
| 30 | $1,320 |
| 40 | $1,276 |
| 50 | $1,168 |
| 60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,564 |
| $250 | $1,432 |
| $500 | $1,276 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,276 |
| 50/100 | $1,368 |
| 100/300 | $1,483 |
| 250/500 | $1,782 |
| 100 CSL | $1,414 |
| 300 CSL | $1,667 |
| 500 CSL | $1,851 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,932 |
| 20 | $4,658 |
| 30 | $2,800 |
| 40 | $2,752 |
| 50 | $2,630 |
| 60 | $2,606 |
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 | $67 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $54 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
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