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 $1,330 annually for full coverage insurance. Comprehensive insurance costs approximately $270, collision costs $446, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,876 or more. Teenage drivers receive the highest rates at $5,056 a year or more.
Average premium for full coverage: $1,330
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different E-Golf trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $508 for just liability insurance to a much higher rate of $2,876 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using 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.
More Rate Details
The chart below illustrates estimated Volkswagen E-Golf insurance rates for additional coverage and risk scenarios.
- The best discount rate is $775
- Drivers who choose higher $1,000 deductibles will pay $162 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,330
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $316 each year
- High-risk insureds who are prone to accidents and violations could pay around $2,876 or more
- The cost with full coverage for a teenage driver with full coverage can cost $5,056 a year
Car insurance rates for a Volkswagen E-Golf can also vary considerably based on the trim level of your E-Golf, your risk profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Volkswagen E-Golf insurance rates. A 40-year-old driver could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,800 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every 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 | $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 Buy Low Cost Volkswagen E-Golf Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The list below is a review of the primary concepts that were raised in the charts and tables above.
- It is possible to save around $160 per year simply by shopping early and online
- Drivers who have several accidents or serious violations could be forced to pay on average $1,550 more per year for car insurance
- Increasing deductibles could save up to $475 each year
- Teenagers pay the highest auto insurance rates, costing up to $421 per month if comprehensive and collision insurance is included
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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