Volkswagen E-Golf Insurance Rates
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Michelle Robbins
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UPDATED: Apr 7, 2024
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Estimated insurance rates for a Volkswagen E-Golf are $1,276 a year with full coverage. Comprehensive costs around $258 each year, collision costs $400, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,752. Teen drivers pay the most at $4,882 a year or more.
Average premium for full coverage: $1,276
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and E-Golf models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volkswagen E-Golf go from as low as $510 for liability-only coverage to a high rate of $2,752 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas.
The graphic below illustrates how location impacts auto insurance rates.
These rate differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.
Additional Charts and Tables
The chart below details estimated Volkswagen E-Golf insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $750
- Using higher $1,000 deductibles will save about $150 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,276
- Choosing low deductibles for physical damage coverage will increase the cost to $1,564
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,752 or more
- An auto insurance policy for full coverage for a 16-year-old driver can be $4,882 or more
Insurance prices for a Volkswagen E-Golf also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
Where you choose to live has a huge impact on Volkswagen E-Golf insurance prices. A driver around age 40 might see prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,730 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles could cut prices by as much as $440 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.
| 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 Find Cheap Volkswagen E-Golf Insurance
Finding better rates on insurance for a Volkswagen E-Golf requires being safe and accident-free, having a good credit history, being claim-free, and taking advantage of discounts. Spend time shopping around every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a brief summary of the ideas that were touched on above.
- Youthful drivers are charged the highest prices, possibly costing $407 per month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,480 more every year than a low-risk driver
- Increasing policy deductibles can save around $450 each year
- You may be able to save up to $150 per year simply by quoting online in advance
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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