Volkswagen E-Golf Insurance Rates

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UPDATED: Apr 7, 2024

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Average insurance prices for a Volkswagen E-Golf are $1,330 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $270, collision insurance costs $446, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $2,876 or more. Teenage drivers receive the highest rates at up to $5,056 a year.

Average premium for full coverage: $1,330

Rate estimates broken down by individual coverage type:

Comprehensive $270
Collision $446
Liability $456

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all E-Golf models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $508 for a discount liability-only rate to the much higher price of $2,876 for a high-risk insurance policy.

Liability Only $508
Full Coverage $1,330
High Risk $2,876

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

These examples illustrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of 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.

Rates by State, City, and Model

The chart below illustrates average Volkswagen E-Golf insurance rates for other coverage scenarios.

  • The best discount rate is $775
  • Raising to $1,000 deductibles will save approximately $162 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,330
  • Using pricier low deductibles costs an extra $316 every year
  • At-risk drivers who are prone to accidents and violations could pay up to $2,876
  • The cost to insure a teen driver for full coverage can cost as much as $5,056

View Chart as Image

Volkswagen E-Golf insurance cost comparison chart
Column chart showing Volkswagen E-Golf insurance prices range from $775 to $5,056 for full coverage

Auto insurance rates for a Volkswagen E-Golf can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,200 in extra premium per year, depending on your age. Volkswagen E-Golf insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Volkswagen E-Golf insurance prices. A middle-age driver might find rates as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,800 on average in Florida, New York, and Michigan.

Volkswagen E-Golf Insurance Rates by State
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%

View Chart as Image

Volkswagen E-Golf insurance rates by U.S. city
Volkswagen E-Golf Insurance Rates by Model Year
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 Shop for More Affordable Volkswagen E-Golf Insurance

Saving money on car insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a summary of the car insurance concepts touched on in this article.

  • Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,550 more annually to buy Volkswagen E-Golf insurance
  • It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $475 each year
  • Policyholders who want increased levels of liability coverage will pay an extra $500 annually to raise from a minimum limit to a 250/500 level

Rates by Driver Age

Volkswagen E-Golf Insurance 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

Volkswagen E-Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,500
$500 $1,330
$1,000 $1,168

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen E-Golf Insurance Rates with Different Liability Limits
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

Volkswagen E-Golf Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $775

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

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