Volkswagen E-Golf Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 7, 2024

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Average auto insurance rates for a Volkswagen E-Golf are $1,276 annually with full coverage. Comprehensive costs an estimated $258 a year, collision costs $400, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,752. Teenage drivers receive the highest rates at $4,882 a year or more.

Average premium for full coverage: $1,276

Rate estimates broken down by individual coverage type:

Comprehensive $258
Collision $400
Liability $460

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

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $510 for just liability insurance to a high of $2,752 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,276
High Risk $2,752

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $957
Small Cities $1,340
Large Cities $1,723

These examples demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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 other coverage scenarios.

  • The best discount rate is $750
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,126 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,276
  • Using low $100 deductibles for comprehensive and collision insurance will cost $1,564
  • High risk drivers who are prone to accidents and violations could pay up to $2,752 or more
  • The cost with full coverage for a teen driver can cost as much as $4,882 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 $750 to $4,882

Insurance rates for a Volkswagen E-Golf can also vary considerably based on the trim level of your E-Golf, your driving record, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volkswagen E-Golf insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 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 $1,156 -$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%

View Chart as Image

Volkswagen E-Golf insurance rates by U.S. city

With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so the rates can be significantly different between companies.

Volkswagen E-Golf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Volkswagen E-Golf $292 $512 $442 $1,404
2018 Volkswagen E-Golf $282 $474 $452 $1,366
2017 Volkswagen E-Golf $270 $446 $456 $1,330
2016 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 Buy the Right Volkswagen E-Golf Insurance

Saving money on Volkswagen E-Golf insurance not only requires avoiding accidents and claims, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every year by quoting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save approximately $150 per year simply by quoting early and online
  • Increasing deductibles could save up to $450 each year
  • Drivers under the age of 20 are charged the highest rates, with premiums as much as $407 per month including comprehensive and collision insurance
  • High-risk drivers with reckless driving or DUI convictions pay on average $1,480 more annually to insure a Volkswagen E-Golf

Rates by Driver Age

Volkswagen E-Golf Insurance 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

Volkswagen E-Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,564
$250 $1,432
$500 $1,276
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen E-Golf Insurance Rates with Different Liability Limits
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

Volkswagen E-Golf Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $750

Discounts are estimated and may not be available from every company or in every state.

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