Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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Estimated auto insurance rates for a Volkswagen E-Golf are $1,330 annually for full coverage. Comprehensive insurance costs an estimated $270 a year, collision costs $446, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $2,876 or more. Teens pay the most at $5,056 a year or more.
Average premium for full coverage: $1,330
Premium estimates broken down by type of coverage:
Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and E-Golf trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Volkswagen E-Golf go from as cheap as $508 for just the minimum liability insurance to a high of $2,876 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These rate differences show why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying 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.
Additional Rate Analysis
The chart below shows estimated Volkswagen E-Golf insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $775
- Using higher $1,000 deductibles will save approximately $1,168 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,330
- Selecting low $100 deductibles for physical damage coverage costs an additional $316 a year
- Drivers with serious driving violations could pay up to $2,876 or more
- An auto insurance policy with full coverage for a teen driver can cost as much as $5,056 or more
Insurance prices for a Volkswagen E-Golf also have a wide range based on the model of your E-Golf, your driver profile, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Volkswagen E-Golf insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,900 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company calculates prices differently, and prices will be substantially different between companies.
| 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 Cheaper Volkswagen E-Golf Insurance
Finding better rates on Volkswagen E-Golf insurance requires being a safe and courteous driver, having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.
Below is a condensed summary of the information touched on in the above illustrations.
- Drivers can save approximately $160 per year simply by quoting early and online
- Teenage drivers are expensive to insure, as much as $421 per month if they have full coverage
- Increasing policy deductibles could save up to $475 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,550 more annually for auto insurance
- Drivers who want higher levels of liability will pay approximately $500 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,500 |
| $500 | $1,330 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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