Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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Estimated insurance rates for a Volkswagen E-Golf are $1,330 a year for full coverage insurance. Comprehensive costs on average $270, collision costs $446, and liability coverage is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing around $2,876. 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:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different E-Golf trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volkswagen E-Golf go from as low as $508 for just liability insurance to a much higher rate of $2,876 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than 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 illustrates 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 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,330
- Buying more expensive low deductibles will increase the cost to $1,646
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,876 or more
- An auto insurance policy for full coverage for a teenage driver with full coverage may cost $5,056
Car insurance prices for a Volkswagen E-Golf also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may only pay around $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 will be charged upwards of $5,000 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 $870 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,800 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $480 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 134% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
| 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 Find More Affordable Volkswagen E-Golf Insurance
Finding better rates on auto insurance consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a summary of the material that was covered above.
- Consumers who require more liability protection will pay around $500 annually to raise from 30/60 bodily injury limits to 250/500 limits
- Youthful drivers are expensive to insure, with premiums being up to $421 per month if full coverage is included
- Drivers who have multiple accidents or major violations pay an average of $1,550 more each year than a low-risk driver
- Increasing policy deductibles can save around $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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