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 for full coverage. Comprehensive costs an estimated $258, collision costs $400, and liability insurance is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,752. 16-year-old drivers pay the most at $4,882 a year or more.
Average premium for full coverage: $1,276
Premium estimates broken down by type of coverage:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different E-Golf trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen E-Golf go from as low as $510 for just the minimum liability insurance to a much higher rate of $2,752 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.
The price range example below illustrates the difference location can make on insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on 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.
Additional Rate Analysis
The chart below shows estimated Volkswagen E-Golf insurance rates for other coverage scenarios.
- The best full coverage rate is $750
- Raising to $1,000 deductibles will save approximately $150 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,276
- Buying more expensive low deductibles will increase the cost to $1,564
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,752 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,882
Insurance prices for a Volkswagen E-Golf also have a wide range based on your driving characteristics, the trim level of your E-Golf, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could 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, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age
Where you choose to live also has a big influence on Volkswagen E-Golf insurance rates. A middle-age driver might find prices as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,820 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $440 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the 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 the Cheapest Volkswagen E-Golf Insurance
Finding better rates on Volkswagen E-Golf insurance consists of being a low-risk driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a recap of the car insurance concepts touched on in this article.
- High-risk drivers that have major violations or accidents pay an average of $1,480 more annually to insure their E-Golf
- Drivers can save approximately $150 per year simply by shopping early and online
- Increasing policy deductibles can save around $450 each year
- Drivers who want more liability coverage will pay around $510 each year to raise from 30/60 bodily injury limits to 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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