Volkswagen E-Golf Insurance Rates

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UPDATED: Apr 7, 2024

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Average insurance rates for a Volkswagen E-Golf are $1,330 a year with full coverage. Comprehensive insurance costs approximately $270, collision costs $446, and liability is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $2,876 or more. Teens receive the highest rates at $5,056 a year or more.

Average premium for full coverage: $1,330

Rate estimates by individual coverage type:

Comprehensive $270
Collision $446
Liability $456

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different E-Golf trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $508 for just liability insurance to a much higher rate of $2,876 for a driver who has had serious violations or accidents.

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

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

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

These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on 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.

More Rate Details

The chart below details estimated Volkswagen E-Golf insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $775
  • Raising to $1,000 deductibles will save $162 annually
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,330
  • Selecting more expensive low deductibles will cost an extra $316 annually
  • Drivers with serious driving violations could pay around $2,876 or more
  • The cost for full coverage for a 16-year-old driver with full coverage can cost $5,056

View Chart as Image

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

Insurance rates for a Volkswagen E-Golf can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live also has a big influence on Volkswagen E-Golf insurance prices. A middle-age driver might find rates as low as $960 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,800 on average in New York, Michigan, and Florida.

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 can reduce rates by up to $480 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 134% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Every auto insurance company calculates rates differently, so the rates can be significantly 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 the Right Volkswagen E-Golf Insurance

Saving money on insurance for a Volkswagen E-Golf consists of avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a quick rundown of the ideas that were covered in the above illustrations.

  • Teenagers are expensive to insure, with premiums as much as $421 per month for full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,550 more per year for car insurance
  • Increasing deductibles can save around $475 each year
  • You may be able to save around $160 per year simply by shopping early and online

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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