Volkswagen E-Golf Insurance Rates

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View 2017 Volkswagen e-Golf Insurance Rates in 2025

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UPDATED: Apr 7, 2024

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The average insurance rates for a Volkswagen E-Golf are $1,330 a year for full coverage. Comprehensive costs on average $270, collision costs $446, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $2,876. Teen drivers cost the most to insure at $5,056 a year or more.

Average premium for full coverage: $1,330

Policy rates by type of insurance:

Comprehensive $270
Collision $446
Liability $456

Prices include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different E-Golf trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Volkswagen E-Golf insurance rates go from the low end price of $508 for a discount liability-only rate to a much higher rate of $2,876 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,330
High Risk $2,876

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects car insurance rates.

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

The examples above show why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based 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 different risk profiles and scenarios.

  • The lowest rate with discounts is $775
  • Using higher $1,000 deductibles will save around $162 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,330
  • Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,646
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,876 or more
  • Policy cost that insures a 16-year-old driver with full coverage may cost $5,056 or more

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

Insurance rates for a Volkswagen E-Golf also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can be from 44% to 134% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,000 a year. View Rates by Age

Your home state has a huge impact on Volkswagen E-Golf insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $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 high deductibles could cut rates by as much as $480 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied.

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 the Right Volkswagen E-Golf Insurance

Finding cheaper rates on insurance for a Volkswagen E-Golf requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the data that was raised in the charts and tables above.

  • Drivers can save as much as $160 per year simply by shopping early and online
  • Insureds who require more liability protection will pay about $500 each year to increase from a 30/60 limit to the 250/500 level
  • Youthful drivers pay higher rates, costing up to $421 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,550 more each year than a low-risk driver

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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