Volkswagen E-Golf Insurance Rates
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U.S. average insurance rates for a Volkswagen E-Golf are $920 a year for full coverage. Comprehensive insurance costs around $150, collision costs $170, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $1,968 or more. 16-year-old drivers pay the highest rates at $3,734 a year or more.
Average premium for full coverage: $920
Price estimates for individual coverage:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different E-Golf trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen E-Golf insurance prices go from as low as $496 for your basic liability-only policy to a much higher rate of $1,968 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on rate 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.
More Rate Information
The chart below shows estimated Volkswagen E-Golf insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $569
- Choosing higher $1,000 deductibles can save about $74 a year
- The average rate for the average middle-age driver using $500 deductibles is $920
- Buying more expensive low deductibles for comp and collision coverage will cost an extra $136 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $1,968 or more
- The price for full coverage for a 16-year-old driver with full coverage can be $3,734 each year
Car insurance prices for a Volkswagen E-Golf are also quite variable based on your driving record, the trim level of your E-Golf, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as low as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $3,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volkswagen E-Golf insurance prices. A good driver about age 40 could pay as low as $610 a year in states like Idaho, Maine, and Iowa, or at least $1,310 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $832 | -$88 | -9.6% |
| Alaska | $706 | -$214 | -23.3% |
| Arizona | $766 | -$154 | -16.7% |
| Arkansas | $920 | -$0 | 0.0% |
| California | $1,048 | $128 | 13.9% |
| Colorado | $878 | -$42 | -4.6% |
| Connecticut | $948 | $28 | 3.0% |
| Delaware | $1,040 | $120 | 13.0% |
| Florida | $1,150 | $230 | 25.0% |
| Georgia | $850 | -$70 | -7.6% |
| Hawaii | $660 | -$260 | -28.3% |
| Idaho | $622 | -$298 | -32.4% |
| Illinois | $686 | -$234 | -25.4% |
| Indiana | $692 | -$228 | -24.8% |
| Iowa | $620 | -$300 | -32.6% |
| Kansas | $876 | -$44 | -4.8% |
| Kentucky | $1,256 | $336 | 36.5% |
| Louisiana | $1,362 | $442 | 48.0% |
| Maine | $568 | -$352 | -38.3% |
| Maryland | $758 | -$162 | -17.6% |
| Massachusetts | $738 | -$182 | -19.8% |
| Michigan | $1,598 | $678 | 73.7% |
| Minnesota | $768 | -$152 | -16.5% |
| Mississippi | $1,102 | $182 | 19.8% |
| Missouri | $816 | -$104 | -11.3% |
| Montana | $990 | $70 | 7.6% |
| Nebraska | $726 | -$194 | -21.1% |
| Nevada | $1,102 | $182 | 19.8% |
| New Hampshire | $662 | -$258 | -28.0% |
| New Jersey | $1,028 | $108 | 11.7% |
| New Mexico | $814 | -$106 | -11.5% |
| New York | $970 | $50 | 5.4% |
| North Carolina | $530 | -$390 | -42.4% |
| North Dakota | $754 | -$166 | -18.0% |
| Ohio | $636 | -$284 | -30.9% |
| Oklahoma | $944 | $24 | 2.6% |
| Oregon | $842 | -$78 | -8.5% |
| Pennsylvania | $878 | -$42 | -4.6% |
| Rhode Island | $1,228 | $308 | 33.5% |
| South Carolina | $832 | -$88 | -9.6% |
| South Dakota | $778 | -$142 | -15.4% |
| Tennessee | $808 | -$112 | -12.2% |
| Texas | $1,110 | $190 | 20.7% |
| Utah | $682 | -$238 | -25.9% |
| Vermont | $630 | -$290 | -31.5% |
| Virginia | $552 | -$368 | -40.0% |
| Washington | $714 | -$206 | -22.4% |
| West Virginia | $842 | -$78 | -8.5% |
| Wisconsin | $638 | -$282 | -30.7% |
| Wyoming | $820 | -$100 | -10.9% |
Opting for high physical damage deductibles can save as much as $210 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges from 43% to 133% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|
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
Getting lower rates on insurance for a Volkswagen E-Golf takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below you'll find a quick rundown of the ideas that were touched on in this article.
- Youthful drivers are the costliest to insure, with premiums as much as $311 a month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,050 more every year than a low-risk driver
- Increasing physical damage deductibles can save around $200 each year
- Drivers can save up to $100 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,734 |
| 20 | $2,094 |
| 30 | $934 |
| 40 | $920 |
| 50 | $846 |
| 60 | $828 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,056 |
| $250 | $996 |
| $500 | $920 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $920 |
| 50/100 | $1,008 |
| 100/300 | $1,119 |
| 250/500 | $1,406 |
| 100 CSL | $1,053 |
| 300 CSL | $1,296 |
| 500 CSL | $1,473 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,330 |
| 30 | $1,980 |
| 40 | $1,968 |
| 50 | $1,882 |
| 60 | $1,862 |
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 | $46 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $351 |
Discounts are estimated and may not be available from every company or in every state.
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