Volkswagen E-Golf Insurance Rates

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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 costs on average $270, collision insurance costs $446, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,876. Teens pay the most at up to $5,056 a year.

Average premium for full coverage: $1,330

Premium estimates by type of coverage:

Comprehensive $270
Collision $446
Liability $456

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist 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 range from the cheapest price of $508 for liability-only coverage to the much higher price of $2,876 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,330
High Risk $2,876

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

These rate differences demonstrate why everyone should compare rates based on a specific location and their own driving history, rather than using averaged prices.

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 average Volkswagen E-Golf insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $775
  • Drivers who choose higher $1,000 deductibles will pay around $162 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $1,330
  • Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,646
  • High-risk insureds with serious driving violations could pay upwards of $2,876
  • An auto insurance policy to insure a teenage driver for full coverage may cost $5,056 a year

View Chart as Image

Volkswagen E-Golf insurance cost comparison chart
Column chart showing Volkswagen E-Golf insurance rates range from $775 to $5,056 for full coverage

Auto 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.

Choosing higher comprehensive and collision insurance deductibles could save up to $480 a 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 year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay 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 in extra premium annually, depending on your age. Volkswagen E-Golf insurance for high-risk drivers can cost around 44% to 134% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Volkswagen E-Golf insurance rates. A 40-year-old driver could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,800 on average in Florida, Michigan, and New York.

Volkswagen E-Golf Insurance Rates by State
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%

View Chart as Image

Volkswagen E-Golf insurance rates by U.S. city
Volkswagen E-Golf Insurance Rates by Model Year
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 Right Volkswagen E-Golf Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates every year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

Below is a quick rundown of the coverage data presented in the illustrations above.

  • You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save as much as $475 each year
  • Teenage drivers are charged the highest prices, possibly costing $421 per month if comprehensive and collision insurance is included
  • Drivers with reckless driving or DUI convictions may pay on average $1,550 more each year for auto insurance

Rates by Driver Age

Volkswagen E-Golf Insurance 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

Volkswagen E-Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,500
$500 $1,330
$1,000 $1,168

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen E-Golf Insurance Rates with Different Liability Limits
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

Volkswagen E-Golf Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $775

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

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