Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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Average insurance prices for a Volkswagen E-Golf are $1,276 every 12 months for full coverage. Comprehensive costs around $258 each year, collision costs $400, and liability insurance is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $2,752. Teen drivers receive the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,276
Rate estimates for individual coverage type:
Prices include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and E-Golf models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $510 for a discount liability-only rate to a high rate of $2,752 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.
The graphic below illustrates how location helps determine auto insurance rates.
These examples show why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on price 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.
Rates by State, City, and Model
The chart below shows estimated Volkswagen E-Golf insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $750
- Choosing higher $1,000 deductibles can save about $150 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,276
- Choosing low deductibles for comp and collision coverage increases the price to $1,564
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,752 or more
- The cost to insure a teen driver can be $4,882 each year
Insurance rates for a Volkswagen E-Golf can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $440 each year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volkswagen E-Golf insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and rates can be significantly different.
| 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 the Right Volkswagen E-Golf Insurance
Saving money on Volkswagen E-Golf insurance takes being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Invest time comparing rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a quick rundown of the material that was covered in the charts and tables above.
- Drivers who may need higher levels of liability will pay about $510 each year to raise limits from a minimum limit to a 250/500 level
- Teenage drivers are charged the highest rates, costing as high as $407 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,480 more every year for auto insurance
- Increasing deductibles could save as much as $450 each year
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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