Volkswagen Golf R Insurance Rates

U.S. average insurance rates for a Volkswagen Golf R are $1,170 a year for full coverage insurance. Comprehensive insurance costs an estimated $220 a year, collision insurance costs $314, and liability costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs $2,522 or more. 16-year-old drivers pay the highest rates at up to $4,570 a year.

Average premium for full coverage: $1,170

Price estimates broken down by individual coverage:

Includes $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Golf R trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area and risk profile, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $697
• Drivers who choose higher $1,000 deductibles will pay approximately $1,050 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,170
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $234 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,522
• The price for full coverage for a teen driver can cost as much as $4,570 a year

View Chart as Image

Insurance prices for a Volkswagen Golf R are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

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 $770 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,580 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $360 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Volkswagen Golf R Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a recap of the material that was covered in the above illustrations.

• Policyholders who want higher levels of liability will pay around $530 annually to go from a low limit to 250/500 limits
• Teenage drivers are expensive to insure, as much as $381 a month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents pay on average $1,350 more annually for auto insurance
• Increasing physical damage deductibles can save around $350 each year