Volkswagen Golf R 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...

Insurance Lawyer

UPDATED: Jun 6, 2024

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U.S. average auto insurance rates for a Volkswagen Golf R are $1,250 annually for full coverage. Comprehensive costs approximately $244, collision insurance costs $374, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,696. 16-year-old drivers pay the highest rates at up to $4,814 a year.

Average premium for full coverage: $1,250

Price estimates by individual coverage:

Comprehensive $244
Collision $374
Liability $474

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Golf R trim levels.

Price Range from Low to High

For the normal driver, Volkswagen Golf R insurance prices range from as cheap as $522 for minimum levels of liability insurance to a much higher rate of $2,696 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,250
High Risk $2,696

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have fewer accident claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.

Rural Areas $938
Small Cities $1,313
Large Cities $1,688

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using rate averages.

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 Details

The chart below shows average Volkswagen Golf R insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $736
  • Using higher $1,000 deductibles will save $142 a year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,250
  • Buying more expensive low deductibles for physical damage coverage will cost $1,520
  • Drivers with multiple tickets or accidents could pay around $2,696
  • The price with full coverage for a teen driver with full coverage can cost $4,814 or more

View Chart as Image

Volkswagen Golf R insurance cost comparison chart
Column chart showing Volkswagen Golf R insurance rates range from $736 to $4,814 for full coverage

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 $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can be as much as 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $420 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 has a huge impact on Volkswagen Golf R insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $1,780 on average in New York, Louisiana, and Michigan.

Volkswagen Golf R Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,132 -$118 -9.4%
Alaska $958 -$292 -23.4%
Arizona $1,038 -$212 -17.0%
Arkansas $1,250 -$0 0.0%
California $1,426 $176 14.1%
Colorado $1,194 -$56 -4.5%
Connecticut $1,286 $36 2.9%
Delaware $1,416 $166 13.3%
Florida $1,564 $314 25.1%
Georgia $1,152 -$98 -7.8%
Hawaii $898 -$352 -28.2%
Idaho $844 -$406 -32.5%
Illinois $930 -$320 -25.6%
Indiana $940 -$310 -24.8%
Iowa $844 -$406 -32.5%
Kansas $1,188 -$62 -5.0%
Kentucky $1,704 $454 36.3%
Louisiana $1,848 $598 47.8%
Maine $772 -$478 -38.2%
Maryland $1,030 -$220 -17.6%
Massachusetts $1,000 -$250 -20.0%
Michigan $2,172 $922 73.8%
Minnesota $1,046 -$204 -16.3%
Mississippi $1,496 $246 19.7%
Missouri $1,110 -$140 -11.2%
Montana $1,342 $92 7.4%
Nebraska $984 -$266 -21.3%
Nevada $1,500 $250 20.0%
New Hampshire $898 -$352 -28.2%
New Jersey $1,396 $146 11.7%
New Mexico $1,106 -$144 -11.5%
New York $1,316 $66 5.3%
North Carolina $718 -$532 -42.6%
North Dakota $1,024 -$226 -18.1%
Ohio $864 -$386 -30.9%
Oklahoma $1,284 $34 2.7%
Oregon $1,144 -$106 -8.5%
Pennsylvania $1,194 -$56 -4.5%
Rhode Island $1,666 $416 33.3%
South Carolina $1,132 -$118 -9.4%
South Dakota $1,054 -$196 -15.7%
Tennessee $1,094 -$156 -12.5%
Texas $1,506 $256 20.5%
Utah $926 -$324 -25.9%
Vermont $856 -$394 -31.5%
Virginia $748 -$502 -40.2%
Washington $968 -$282 -22.6%
West Virginia $1,144 -$106 -8.5%
Wisconsin $866 -$384 -30.7%
Wyoming $1,114 -$136 -10.9%

View Chart as Image

Volkswagen Golf R insurance rates by U.S. city
Volkswagen Golf R Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Golf R $390 $688 $372 $1,608
2023 Volkswagen Golf R $372 $660 $390 $1,580
2022 Volkswagen Golf R $356 $656 $398 $1,568
2021 Volkswagen Golf R $344 $640 $416 $1,558
2020 Volkswagen Golf R $332 $612 $430 $1,532
2019 Volkswagen Golf R $314 $592 $442 $1,506
2018 Volkswagen Golf R $302 $548 $452 $1,460
2017 Volkswagen Golf R $290 $516 $456 $1,420
2016 Volkswagen Golf R $278 $464 $460 $1,360
2015 Volkswagen Golf R $260 $426 $460 $1,304
2013 Volkswagen Golf R $244 $374 $474 $1,250
2012 Volkswagen Golf R $226 $346 $474 $1,204

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 the Right Volkswagen Golf R Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the data presented in the illustrations above.

  • Policyholders who purchase increased liability limits will pay around $520 each year to increase from a low limit to higher 250/500 limits
  • Drivers can save around $150 per year just by shopping early and online
  • Increasing physical damage deductibles could save up to $400 each year
  • Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $401 a month if full coverage is included

Rates by Driver Age

Volkswagen Golf R Insurance Rates by Driver Age
Driver Age Premium
16 $4,814
20 $2,858
30 $1,290
40 $1,250
50 $1,142
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf R Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,396
$500 $1,250
$1,000 $1,108

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf R Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,250
50/100 $1,345
100/300 $1,463
250/500 $1,771
100 CSL $1,392
300 CSL $1,653
500 CSL $1,843

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf R Insurance Rates for High Risk Drivers
Age Premium
16 $6,832
20 $4,560
30 $2,736
40 $2,696
50 $2,574
60 $2,548

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 $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $84
5-yr Claim Free $80
Paid in Full/EFT $51
Advance Quote $59
Online Quote $87
Total Discounts $514
Rate after discounts $736

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

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