Volkswagen E-Golf Insurance Rates
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Michelle Robbins
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UPDATED: Apr 7, 2024
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Average auto insurance rates for a Volkswagen E-Golf are $1,330 annually including full coverage. Comprehensive costs approximately $270 a year, collision costs $446, and liability coverage is $456. Liability-only coverage costs around $508 a year, with high-risk coverage 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 by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and E-Golf trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $508 for just the minimum liability insurance to a high of $2,876 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than congested cities.
The diagram below illustrates how your location can change auto insurance prices.
These examples highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than 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 Analysis
The chart below breaks down estimated Volkswagen E-Golf insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $775
- Raising to $1,000 deductibles will save $1,168 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,330
- Buying low $100 deductibles will cost $1,646
- Unlucky drivers with multiple tickets or accidents could pay around $2,876 or more
- The cost with full coverage for a teenage driver can cost $5,056
Car insurance rates for a Volkswagen E-Golf can also vary considerably based on the trim level of your E-Golf, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $480 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Volkswagen E-Golf insurance rates. 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.
| 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 Buy the Best Volkswagen E-Golf Insurance
Saving money on auto insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at every policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
The points below are a brief recap of the data illustrated above.
- Consumers who purchase increased liability limits will pay around $500 per year to raise from a minimum limit to higher 250/500 limits
- You may be able to save around $160 per year simply by quoting early and online
- Increasing deductibles could save up to $475 each year
- Drivers under the age of 20 pay the highest auto insurance rates, as much as $421 per month if comprehensive and collision insurance is included
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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