Volkswagen Golf R Insurance Rates
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UPDATED: Jun 6, 2024
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U.S. average auto insurance rates for a Volkswagen Golf R are $1,250 annually including full coverage. Comprehensive insurance costs an estimated $244, collision insurance costs $374, and liability coverage costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,696 or more. 16-year-old drivers pay the highest rates at up to $4,814 a year.
Average premium for full coverage: $1,250
Price estimates broken down by individual coverage:
Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Golf R models.
Price Range from Low to High
Using a middle-aged driver as an example, Volkswagen Golf R insurance prices range from as cheap as $522 for just the minimum liability insurance to the much higher price of $2,696 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities. The example below illustrates how where you live affects insurance prices.
The ranges above highlight why everyone should compare rates for a targeted area 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 average Volkswagen Golf R insurance rates for other coverage scenarios.
- The best full coverage rate is $736
- Drivers who choose higher $1,000 deductibles will pay approximately $142 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,250
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $270 each year
- High-risk insureds with multiple tickets or accidents could pay up to $2,696
- The price with full coverage for a teenage driver for full coverage can cost as much as $4,814 a year
Insurance prices for a Volkswagen Golf R are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
A more mature driver with a clean driving record 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 can expect to pay at least $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Volkswagen Golf R insurance for high-risk drivers can cost around 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $420 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Volkswagen Golf R insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,780 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,132 | -$118 | -9.4% |
| Alaska | $958 | -$292 | -23.4% |
| Arizona | $1,038 | -$212 | -17.0% |
| Arkansas | $1,250 | -$0 | 0.0% |
| California | $1,426 | $176 | 14.1% |
| Colorado | $1,194 | -$56 | -4.5% |
| Connecticut | $1,286 | $36 | 2.9% |
| Delaware | $1,416 | $166 | 13.3% |
| Florida | $1,564 | $314 | 25.1% |
| Georgia | $1,152 | -$98 | -7.8% |
| Hawaii | $898 | -$352 | -28.2% |
| Idaho | $844 | -$406 | -32.5% |
| Illinois | $930 | -$320 | -25.6% |
| Indiana | $940 | -$310 | -24.8% |
| Iowa | $844 | -$406 | -32.5% |
| Kansas | $1,188 | -$62 | -5.0% |
| Kentucky | $1,704 | $454 | 36.3% |
| Louisiana | $1,848 | $598 | 47.8% |
| Maine | $772 | -$478 | -38.2% |
| Maryland | $1,030 | -$220 | -17.6% |
| Massachusetts | $1,000 | -$250 | -20.0% |
| Michigan | $2,172 | $922 | 73.8% |
| Minnesota | $1,046 | -$204 | -16.3% |
| Mississippi | $1,496 | $246 | 19.7% |
| Missouri | $1,110 | -$140 | -11.2% |
| Montana | $1,342 | $92 | 7.4% |
| Nebraska | $984 | -$266 | -21.3% |
| Nevada | $1,500 | $250 | 20.0% |
| New Hampshire | $898 | -$352 | -28.2% |
| New Jersey | $1,396 | $146 | 11.7% |
| New Mexico | $1,106 | -$144 | -11.5% |
| New York | $1,316 | $66 | 5.3% |
| North Carolina | $718 | -$532 | -42.6% |
| North Dakota | $1,024 | -$226 | -18.1% |
| Ohio | $864 | -$386 | -30.9% |
| Oklahoma | $1,284 | $34 | 2.7% |
| Oregon | $1,144 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$56 | -4.5% |
| Rhode Island | $1,666 | $416 | 33.3% |
| South Carolina | $1,132 | -$118 | -9.4% |
| South Dakota | $1,054 | -$196 | -15.7% |
| Tennessee | $1,094 | -$156 | -12.5% |
| Texas | $1,506 | $256 | 20.5% |
| Utah | $926 | -$324 | -25.9% |
| Vermont | $856 | -$394 | -31.5% |
| Virginia | $748 | -$502 | -40.2% |
| Washington | $968 | -$282 | -22.6% |
| West Virginia | $1,144 | -$106 | -8.5% |
| Wisconsin | $866 | -$384 | -30.7% |
| Wyoming | $1,114 | -$136 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf R | $390 | $688 | $372 | $1,608 |
| 2023 Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| 2022 Volkswagen Golf R | $356 | $656 | $398 | $1,568 |
| 2021 Volkswagen Golf R | $344 | $640 | $416 | $1,558 |
| 2020 Volkswagen Golf R | $332 | $612 | $430 | $1,532 |
| 2019 Volkswagen Golf R | $314 | $592 | $442 | $1,506 |
| 2018 Volkswagen Golf R | $302 | $548 | $452 | $1,460 |
| 2017 Volkswagen Golf R | $290 | $516 | $456 | $1,420 |
| 2016 Volkswagen Golf R | $278 | $464 | $460 | $1,360 |
| 2015 Volkswagen Golf R | $260 | $426 | $460 | $1,304 |
| 2013 Volkswagen Golf R | $244 | $374 | $474 | $1,250 |
| 2012 Volkswagen Golf R | $226 | $346 | $474 | $1,204 |
Rates are averaged for all Volkswagen Golf R 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 More Affordable Volkswagen Golf R Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a summary of the ideas that were touched on in the above illustrations.
- Teens are charged the highest prices, possibly costing $401 a month including comprehensive and collision insurance
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,450 more annually for Golf R insurance
- Increasing physical damage deductibles could save up to $400 each year
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,814 |
| 20 | $2,858 |
| 30 | $1,290 |
| 40 | $1,250 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,250 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,250 |
| 50/100 | $1,345 |
| 100/300 | $1,463 |
| 250/500 | $1,771 |
| 100 CSL | $1,392 |
| 300 CSL | $1,653 |
| 500 CSL | $1,843 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,832 |
| 20 | $4,560 |
| 30 | $2,736 |
| 40 | $2,696 |
| 50 | $2,574 |
| 60 | $2,548 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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