Volkswagen Golf R Insurance Rates
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UPDATED: Jun 6, 2024
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Average auto insurance rates for a Volkswagen Golf R are $1,250 annually including full coverage. Comprehensive costs on average $244, collision costs $374, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,696. Teenage drivers receive the highest rates at $4,814 a year or more.
Average premium for full coverage: $1,250
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Golf R trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $522 for just liability insurance to a much higher rate of $2,696 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how location helps determine car insurance rates.
These examples highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than 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.
More Rate Details
The chart below breaks down estimated Volkswagen Golf R insurance rates for different risk profiles and scenarios.
- The best discount rate is $736
- Choosing higher $1,000 deductibles can save around $142 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,250
- Using more expensive low deductibles for comp and collision coverage will cost $1,520
- Drivers who are prone to accidents and violations could pay upwards of $2,696 or more
- The cost with full coverage for a teenage driver with full coverage may cost $4,814 each year
Car insurance rates for a Volkswagen Golf R can also vary considerably based on the trim level of your Golf R, your driving characteristics, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $420 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Volkswagen Golf R insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different between companies.
| 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 Cheaper Volkswagen Golf R Insurance
Saving money on auto insurance takes being safe and accident-free, having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a condensed summary of the data that was covered in the charts and tables above.
- You may be able to save as much as $150 per year simply by shopping early and online
- Consumers who require more liability protection will pay an extra $520 per year to raise limits from a minimum limit to higher 250/500 limits
- Youthful drivers are expensive to insure, as much as $401 per month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents pay on average $1,450 more each year than a low-risk driver
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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