Volkswagen E-Golf Insurance Rates
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UPDATED: Apr 7, 2024
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Estimated auto insurance rates for a Volkswagen E-Golf are $1,330 annually including full coverage. Comprehensive insurance costs approximately $270 each year, collision costs $446, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $2,876 or more. 16-year-old drivers pay the most at $5,056 a year or more.
Average premium for full coverage: $1,330
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and E-Golf models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volkswagen E-Golf go from as cheap as $508 for your basic liability-only policy to a high rate of $2,876 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates how location impacts auto insurance prices.
These rate differences highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying 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.
More Rate Information
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 $162 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,330
- Buying low deductibles costs an additional $316 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,876 or more
- An auto insurance policy with full coverage for a teen driver can cost $5,056
Insurance prices for a Volkswagen E-Golf also have a wide range based on the model of your E-Golf, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $480 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Volkswagen E-Golf insurance rates. A middle-age driver might find prices 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 such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen E-Golf | $292 | $512 | $442 | $1,404 |
| 2018 Volkswagen E-Golf | $282 | $474 | $452 | $1,366 |
| 2017 Volkswagen E-Golf | $270 | $446 | $456 | $1,330 |
| 2016 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 Low Cost Volkswagen E-Golf Insurance
Finding better rates on Volkswagen E-Golf insurance consists of having a good driving record, having a good credit history, refrain from filing small claims, and maximizing policy discounts. Spend time shopping around every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.
The next list is a review of the material that was touched on above.
- Drivers who purchase increased levels of liability coverage will pay around $500 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger are expensive to insure, with the cost nearing $421 per month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may have to pay on average $1,550 more per year to buy Volkswagen E-Golf insurance
- Increasing policy deductibles could save up to $475 each year
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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