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. Comprehensive costs around $270 each year, collision costs $446, and liability coverage costs $456. A policy with only liability insurance costs as little as $508 a year, with a high-risk policy costing around $2,876. Teens pay the most at $5,056 a year or more.

Average premium for full coverage: $1,330

Premium estimates for type of coverage:

Comprehensive $270
Collision $446
Liability $456

Full coverage includes $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and E-Golf models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Volkswagen E-Golf go from as low as $508 for just the minimum liability insurance to a high rate of $2,876 for high-risk insurance.

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. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance rates.

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

These rate differences show why all drivers should compare rates for a specific zip code and risk profile, 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 Rate Analysis

The chart below shows estimated Volkswagen E-Golf insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $775
  • Drivers who choose higher $1,000 deductibles will pay about $162 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,330
  • Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,646
  • High-risk insureds with serious driving violations could pay at least $2,876 or more
  • An auto insurance policy for full coverage for a teenage driver can be $5,056 a year

View Chart as Image

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

Car 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 deductibles and policy limits.

More mature drivers with no driving violations and high 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, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

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 $880 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,900 on average in Michigan, Louisiana, 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

Choosing higher comprehensive and collision insurance deductibles could save up to $480 a year, whereas increasing liability limits will increase prices. Going 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 could be paying at least $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 134% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company calculates prices differently, so rate quotes will be substantially different from one company to the next.

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 Find More Affordable Volkswagen E-Golf Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a summary of the material that was touched on above.

  • Consumers who may need increased levels of liability coverage will pay approximately $500 each year to go from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 20 and younger are the costliest to insure, as much as $421 per month if full coverage is included
  • Drivers who have multiple accidents or major violations may be required to pay an average of $1,550 more every year to buy Volkswagen E-Golf insurance
  • Increasing policy deductibles can save around $475 each year

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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