Volkswagen Golf R Insurance Rates

The average insurance rates for a Volkswagen Golf R are $1,204 a year for full coverage. Comprehensive insurance costs an estimated $226, collision insurance costs $346, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,600 or more. 16-year-old drivers cost the most to insure at up to $4,682 a year.

Average premium for full coverage: $1,204

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows average Volkswagen Golf R insurance rates for other coverage scenarios.

• The best full coverage rate is $711
• Using higher $1,000 deductibles will save approximately $130 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,204
• Buying more expensive low deductibles for physical damage coverage will cost an additional $250 a year
• Drivers with multiple tickets or accidents could pay up to $2,600
• Policy cost that insures a teen driver with full coverage can cost as much as $4,682 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Volkswagen Golf R insurance rates. A driver around age 40 might see rates as low as $800 a year in states like Iowa, Maine, and Idaho, or at least $1,720 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $380 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Volkswagen Golf R Insurance

Finding cheaper rates on Volkswagen Golf R insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a brief summary of the data that was covered in the above illustrations.

• Drivers can save approximately $140 per year just by shopping early and online
• Drivers who want higher liability limits will pay around $520 each year to increase from a 30/60 limit to the 250/500 level
• Teens are expensive to insure, costing up to $390 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,400 more annually for Golf R insurance