Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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The average insurance rates for a Volkswagen E-Golf are $1,276 a year for full coverage insurance. Comprehensive insurance costs on average $258, collision costs $400, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $2,752 or more. Teenage drivers cost the most to insure at $4,882 a year or more.
Average premium for full coverage: $1,276
Policy rates by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different E-Golf trim levels.
Price Range Variability
For a 40-year-old driver, Volkswagen E-Golf insurance rates go from as low as $510 for basic liability insurance to a much higher rate of $2,752 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates how your location can change car insurance rates.
The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than 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.
Rate Comparisons
The chart below illustrates estimated Volkswagen E-Golf insurance rates for different risk profiles and scenarios.
- The best discount rate is $750
- Choosing higher $1,000 deductibles can save around $150 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,276
- Using more expensive low deductibles for comp and collision coverage will cost an extra $288 each year
- Drivers who are prone to accidents and violations could pay upwards of $2,752 or more
- Policy cost for full coverage for a teenage driver with full coverage may cost $4,882 each year
Auto insurance rates for a Volkswagen E-Golf also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Volkswagen E-Golf insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,156 | -$120 | -9.4% |
| Alaska | $980 | -$296 | -23.2% |
| Arizona | $1,060 | -$216 | -16.9% |
| Arkansas | $1,276 | -$0 | 0.0% |
| California | $1,454 | $178 | 13.9% |
| Colorado | $1,220 | -$56 | -4.4% |
| Connecticut | $1,314 | $38 | 3.0% |
| Delaware | $1,446 | $170 | 13.3% |
| Florida | $1,598 | $322 | 25.2% |
| Georgia | $1,178 | -$98 | -7.7% |
| Hawaii | $918 | -$358 | -28.1% |
| Idaho | $866 | -$410 | -32.1% |
| Illinois | $950 | -$326 | -25.5% |
| Indiana | $962 | -$314 | -24.6% |
| Iowa | $860 | -$416 | -32.6% |
| Kansas | $1,214 | -$62 | -4.9% |
| Kentucky | $1,742 | $466 | 36.5% |
| Louisiana | $1,890 | $614 | 48.1% |
| Maine | $790 | -$486 | -38.1% |
| Maryland | $1,054 | -$222 | -17.4% |
| Massachusetts | $1,022 | -$254 | -19.9% |
| Michigan | $2,220 | $944 | 74.0% |
| Minnesota | $1,070 | -$206 | -16.1% |
| Mississippi | $1,530 | $254 | 19.9% |
| Missouri | $1,134 | -$142 | -11.1% |
| Montana | $1,372 | $96 | 7.5% |
| Nebraska | $1,008 | -$268 | -21.0% |
| Nevada | $1,532 | $256 | 20.1% |
| New Hampshire | $920 | -$356 | -27.9% |
| New Jersey | $1,428 | $152 | 11.9% |
| New Mexico | $1,132 | -$144 | -11.3% |
| New York | $1,346 | $70 | 5.5% |
| North Carolina | $734 | -$542 | -42.5% |
| North Dakota | $1,046 | -$230 | -18.0% |
| Ohio | $882 | -$394 | -30.9% |
| Oklahoma | $1,314 | $38 | 3.0% |
| Oregon | $1,170 | -$106 | -8.3% |
| Pennsylvania | $1,218 | -$58 | -4.5% |
| Rhode Island | $1,704 | $428 | 33.5% |
| South Carolina | $1,156 | -$120 | -9.4% |
| South Dakota | $1,078 | -$198 | -15.5% |
| Tennessee | $1,118 | -$158 | -12.4% |
| Texas | $1,540 | $264 | 20.7% |
| Utah | $946 | -$330 | -25.9% |
| Vermont | $874 | -$402 | -31.5% |
| Virginia | $766 | -$510 | -40.0% |
| Washington | $990 | -$286 | -22.4% |
| West Virginia | $1,172 | -$104 | -8.2% |
| Wisconsin | $884 | -$392 | -30.7% |
| Wyoming | $1,138 | -$138 | -10.8% |
Using high physical damage deductibles can save as much as $440 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen E-Golf | $270 | $446 | $456 | $1,330 |
| 2018 Volkswagen E-Golf | $258 | $400 | $460 | $1,276 |
| 2017 Volkswagen E-Golf | $242 | $368 | $460 | $1,228 |
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 Find More Affordable Volkswagen E-Golf Insurance
Finding cheaper rates on auto insurance takes being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a summary of the concepts that were illustrated above.
- Drivers who have multiple accidents or major violations pay an average of $1,480 more each year to insure their E-Golf
- Teen drivers are charged the highest rates, possibly costing $407 each month if they have full coverage
- It is possible to save as much as $150 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $450 each year
- It is possible to save as much as $150 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,882 |
| 20 | $2,924 |
| 30 | $1,320 |
| 40 | $1,276 |
| 50 | $1,168 |
| 60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,564 |
| $250 | $1,432 |
| $500 | $1,276 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,276 |
| 50/100 | $1,368 |
| 100/300 | $1,483 |
| 250/500 | $1,782 |
| 100 CSL | $1,414 |
| 300 CSL | $1,667 |
| 500 CSL | $1,851 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,932 |
| 20 | $4,658 |
| 30 | $2,800 |
| 40 | $2,752 |
| 50 | $2,630 |
| 60 | $2,606 |
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 | $67 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $54 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
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