Volkswagen E-Golf Insurance Rates
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Michelle Robbins
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UPDATED: Apr 7, 2024
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U.S. average auto insurance rates for a Volkswagen E-Golf are $1,276 annually including full coverage. Comprehensive insurance costs approximately $258 each year, collision costs $400, and liability coverage costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $2,752 or more. Teen drivers pay the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,276
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and E-Golf models.
Price Range from Low to High
For a driver around age 40, Volkswagen E-Golf insurance prices go from as cheap as $510 for the bare minimum liability coverage to a high rate of $2,752 for a high-risk insurance policy.
Geographic Price Range
Your location has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than using price 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 Information
The chart below breaks down estimated Volkswagen E-Golf insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $750
- Drivers who choose higher $1,000 deductibles will pay $150 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,276
- Choosing low deductibles for comprehensive and collision insurance costs an additional $288 each year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,752 or more
- The price with full coverage for a teenage driver can cost $4,882 a year
Insurance prices for a Volkswagen E-Golf are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared 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 are likely paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $440 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Volkswagen E-Golf insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,820 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and prices may be quite different between companies.
| 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 Buy the Best Cheap Volkswagen E-Golf Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a quick review of the car insurance concepts covered above.
- Drivers with a DUI or reckless driving violation may have to pay on average $1,480 more per year to insure a Volkswagen E-Golf
- You may be able to save around $150 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $450 each year
- Consumers who purchase increased liability limits will pay about $510 per year to go from a low limit to higher 250/500 limits
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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