Volkswagen E-Golf Insurance Rates
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Michelle Robbins
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UPDATED: Apr 7, 2024
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U.S. average insurance prices for a Volkswagen E-Golf are $1,276 every 12 months including full coverage. Comprehensive costs on average $258 a year, collision insurance costs $400, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,752. Teenage drivers pay the highest rates at up to $4,882 a year.
Average premium for full coverage: $1,276
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and E-Golf trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Volkswagen E-Golf insurance prices range from the cheapest price of $510 for a discount liability-only rate to a high of $2,752 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location and their own driving history, rather than relying on 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.
Rates by State, City, and Model
The chart below breaks down average Volkswagen E-Golf insurance rates for different risk profiles and scenarios.
- The best discount rate is $750
- Using higher $1,000 deductibles will save around $1,126 every year
- The average price for the average middle-age driver with $500 deductibles is $1,276
- Using low $100 deductibles for physical damage coverage increases the price to $1,564
- Drivers who are prone to accidents and violations could pay upwards of $2,752
- The price to insure a teen driver may cost $4,882 or more
Insurance prices for a Volkswagen E-Golf are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your E-Golf.
Using high physical damage deductibles could cut prices by as much as $440 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Volkswagen E-Golf insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Shop for More Affordable Volkswagen E-Golf Insurance
Getting lower rates on Volkswagen E-Golf insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a summary of the data that was touched on in the above illustrations.
- You may be able to save as much as $150 per year just by quoting early and online
- Drivers who require increased liability limits will pay an extra $510 per year to increase from a low limit to a 250/500 level
- Drivers under the age of 20 pay higher prices, possibly costing $407 a month if full coverage is included
- High-risk drivers who have multiple accidents or major violations may pay on average $1,480 more each year to insure a Volkswagen E-Golf
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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