Volkswagen E-Golf Insurance Rates
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Michelle Robbins
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UPDATED: Apr 7, 2024
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Average insurance rates for a Volkswagen E-Golf are $1,330 a year including full coverage. Comprehensive costs an estimated $270, collision costs $446, and liability is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $2,876. 16-year-old drivers receive the highest rates at $5,056 a year or more.
Average premium for full coverage: $1,330
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different E-Golf trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $508 for minimum levels of liability insurance to a much higher rate of $2,876 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.
The price range example below illustrates the effect of geographic area on insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on 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 breaks down estimated Volkswagen E-Golf insurance rates for other coverage scenarios.
- The best full coverage rate is $775
- Raising to $1,000 deductibles will save approximately $162 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,330
- Buying more expensive low deductibles bumps up the cost to $1,646
- Drivers with multiple tickets or accidents could pay up to $2,876 or more
- The cost that insures a 16-year-old driver with full coverage can cost as much as $5,056
Insurance rates for a Volkswagen E-Golf can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 134% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age
Where you live also has a big influence on Volkswagen E-Golf insurance prices. A middle-age driver might find rates as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,900 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,204 | -$126 | -9.5% |
| Alaska | $1,020 | -$310 | -23.3% |
| Arizona | $1,104 | -$226 | -17.0% |
| Arkansas | $1,330 | -$0 | 0.0% |
| California | $1,518 | $188 | 14.1% |
| Colorado | $1,272 | -$58 | -4.4% |
| Connecticut | $1,368 | $38 | 2.9% |
| Delaware | $1,508 | $178 | 13.4% |
| Florida | $1,666 | $336 | 25.3% |
| Georgia | $1,228 | -$102 | -7.7% |
| Hawaii | $956 | -$374 | -28.1% |
| Idaho | $898 | -$432 | -32.5% |
| Illinois | $992 | -$338 | -25.4% |
| Indiana | $1,002 | -$328 | -24.7% |
| Iowa | $898 | -$432 | -32.5% |
| Kansas | $1,264 | -$66 | -5.0% |
| Kentucky | $1,816 | $486 | 36.5% |
| Louisiana | $1,970 | $640 | 48.1% |
| Maine | $822 | -$508 | -38.2% |
| Maryland | $1,096 | -$234 | -17.6% |
| Massachusetts | $1,064 | -$266 | -20.0% |
| Michigan | $2,312 | $982 | 73.8% |
| Minnesota | $1,114 | -$216 | -16.2% |
| Mississippi | $1,594 | $264 | 19.8% |
| Missouri | $1,180 | -$150 | -11.3% |
| Montana | $1,430 | $100 | 7.5% |
| Nebraska | $1,048 | -$282 | -21.2% |
| Nevada | $1,596 | $266 | 20.0% |
| New Hampshire | $958 | -$372 | -28.0% |
| New Jersey | $1,488 | $158 | 11.9% |
| New Mexico | $1,180 | -$150 | -11.3% |
| New York | $1,402 | $72 | 5.4% |
| North Carolina | $768 | -$562 | -42.3% |
| North Dakota | $1,088 | -$242 | -18.2% |
| Ohio | $918 | -$412 | -31.0% |
| Oklahoma | $1,366 | $36 | 2.7% |
| Oregon | $1,220 | -$110 | -8.3% |
| Pennsylvania | $1,270 | -$60 | -4.5% |
| Rhode Island | $1,776 | $446 | 33.5% |
| South Carolina | $1,204 | -$126 | -9.5% |
| South Dakota | $1,122 | -$208 | -15.6% |
| Tennessee | $1,164 | -$166 | -12.5% |
| Texas | $1,604 | $274 | 20.6% |
| Utah | $986 | -$344 | -25.9% |
| Vermont | $912 | -$418 | -31.4% |
| Virginia | $798 | -$532 | -40.0% |
| Washington | $1,028 | -$302 | -22.7% |
| West Virginia | $1,220 | -$110 | -8.3% |
| Wisconsin | $922 | -$408 | -30.7% |
| Wyoming | $1,186 | -$144 | -10.8% |
Opting for high physical damage deductibles can reduce rates by up to $480 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen E-Golf | $282 | $474 | $452 | $1,366 |
| 2018 Volkswagen E-Golf | $270 | $446 | $456 | $1,330 |
| 2017 Volkswagen E-Golf | $258 | $400 | $460 | $1,276 |
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 Cheaper Volkswagen E-Golf Insurance
Saving money on insurance for a Volkswagen E-Golf consists of being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The items below are a condensed summary of the data that was covered in the above illustrations.
- You may be able to save approximately $160 per year simply by shopping early and online
- Insureds who want more liability coverage will pay around $500 per year to raise from a minimum limit to the 250/500 level
- Teen drivers are expensive to insure, as much as $421 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,550 more annually to insure their E-Golf
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,056 |
| 20 | $3,058 |
| 30 | $1,378 |
| 40 | $1,330 |
| 50 | $1,216 |
| 60 | $1,192 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,500 |
| $500 | $1,330 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,330 |
| 50/100 | $1,421 |
| 100/300 | $1,535 |
| 250/500 | $1,832 |
| 100 CSL | $1,467 |
| 300 CSL | $1,718 |
| 500 CSL | $1,900 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,196 |
| 20 | $4,870 |
| 30 | $2,926 |
| 40 | $2,876 |
| 50 | $2,746 |
| 60 | $2,722 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $94 |
| Total Discounts | $555 |
Discounts are estimated and may not be available from every company or in every state.
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