Volkswagen Golf R Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
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U.S. average auto insurance rates for a Volkswagen Golf R are $1,204 annually for full coverage. Comprehensive costs approximately $226, collision insurance costs $346, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,600. Teenage drivers pay the highest rates at up to $4,682 a year.
Average premium for full coverage: $1,204
Price estimates by individual coverage:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Golf R trim levels.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Golf R insurance prices range from as cheap as $522 for the bare minimum liability coverage to a much higher rate of $2,600 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using 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.
Additional Rate Information
The chart below shows average Volkswagen Golf R insurance rates for additional coverage and risk scenarios.
- The best discount rate is $711
- Drivers who choose higher $1,000 deductibles will pay $130 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,204
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,454
- Higher-risk drivers who are prone to accidents and violations could pay around $2,600
- The price with full coverage for a teen driver with full coverage can cost $4,682 a year
Auto insurance prices for a Volkswagen Golf R are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $380 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Volkswagen Golf R insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,090 | -$114 | -9.5% |
| Alaska | $924 | -$280 | -23.3% |
| Arizona | $1,000 | -$204 | -16.9% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,372 | $168 | 14.0% |
| Colorado | $1,150 | -$54 | -4.5% |
| Connecticut | $1,238 | $34 | 2.8% |
| Delaware | $1,364 | $160 | 13.3% |
| Florida | $1,508 | $304 | 25.2% |
| Georgia | $1,112 | -$92 | -7.6% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $814 | -$390 | -32.4% |
| Illinois | $898 | -$306 | -25.4% |
| Indiana | $906 | -$298 | -24.8% |
| Iowa | $814 | -$390 | -32.4% |
| Kansas | $1,146 | -$58 | -4.8% |
| Kentucky | $1,644 | $440 | 36.5% |
| Louisiana | $1,782 | $578 | 48.0% |
| Maine | $744 | -$460 | -38.2% |
| Maryland | $994 | -$210 | -17.4% |
| Massachusetts | $964 | -$240 | -19.9% |
| Michigan | $2,094 | $890 | 73.9% |
| Minnesota | $1,008 | -$196 | -16.3% |
| Mississippi | $1,442 | $238 | 19.8% |
| Missouri | $1,070 | -$134 | -11.1% |
| Montana | $1,294 | $90 | 7.5% |
| Nebraska | $948 | -$256 | -21.3% |
| Nevada | $1,446 | $242 | 20.1% |
| New Hampshire | $868 | -$336 | -27.9% |
| New Jersey | $1,348 | $144 | 12.0% |
| New Mexico | $1,066 | -$138 | -11.5% |
| New York | $1,268 | $64 | 5.3% |
| North Carolina | $694 | -$510 | -42.4% |
| North Dakota | $988 | -$216 | -17.9% |
| Ohio | $832 | -$372 | -30.9% |
| Oklahoma | $1,238 | $34 | 2.8% |
| Oregon | $1,104 | -$100 | -8.3% |
| Pennsylvania | $1,150 | -$54 | -4.5% |
| Rhode Island | $1,606 | $402 | 33.4% |
| South Carolina | $1,092 | -$112 | -9.3% |
| South Dakota | $1,018 | -$186 | -15.4% |
| Tennessee | $1,056 | -$148 | -12.3% |
| Texas | $1,454 | $250 | 20.8% |
| Utah | $892 | -$312 | -25.9% |
| Vermont | $824 | -$380 | -31.6% |
| Virginia | $722 | -$482 | -40.0% |
| Washington | $934 | -$270 | -22.4% |
| West Virginia | $1,104 | -$100 | -8.3% |
| Wisconsin | $834 | -$370 | -30.7% |
| Wyoming | $1,074 | -$130 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| 2023 Volkswagen Golf R | $356 | $656 | $398 | $1,568 |
| 2022 Volkswagen Golf R | $344 | $640 | $416 | $1,558 |
| 2021 Volkswagen Golf R | $332 | $612 | $430 | $1,532 |
| 2020 Volkswagen Golf R | $314 | $592 | $442 | $1,506 |
| 2019 Volkswagen Golf R | $302 | $548 | $452 | $1,460 |
| 2018 Volkswagen Golf R | $290 | $516 | $456 | $1,420 |
| 2017 Volkswagen Golf R | $278 | $464 | $460 | $1,360 |
| 2016 Volkswagen Golf R | $260 | $426 | $460 | $1,304 |
| 2015 Volkswagen Golf R | $250 | $400 | $464 | $1,272 |
| 2013 Volkswagen Golf R | $226 | $346 | $474 | $1,204 |
| 2012 Volkswagen Golf R | $220 | $314 | $478 | $1,170 |
Rates are averaged for all Volkswagen Golf R 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 Cheap Volkswagen Golf R Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a brief summary of the primary concepts that were illustrated above.
- Drivers can save around $140 per year just by shopping early and online
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,400 more per year for car insurance
- Increasing physical damage deductibles could save up to $375 each year
- Teenagers have the highest car insurance prices, with premiums as much as $390 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $2,760 |
| 30 | $1,240 |
| 40 | $1,204 |
| 50 | $1,102 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,454 |
| $250 | $1,340 |
| $500 | $1,204 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,299 |
| 100/300 | $1,417 |
| 250/500 | $1,725 |
| 100 CSL | $1,346 |
| 300 CSL | $1,607 |
| 500 CSL | $1,797 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,638 |
| 20 | $4,402 |
| 30 | $2,638 |
| 40 | $2,600 |
| 50 | $2,486 |
| 60 | $2,460 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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