Volkswagen Golf R Insurance Rates
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UPDATED: Jun 6, 2024
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Average insurance rates for a Volkswagen Golf R are $1,250 a year for full coverage insurance. Comprehensive insurance costs an estimated $244 each year, collision costs $374, and liability coverage is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,696 or more. Teens receive the highest rates at $4,814 a year or more.
Average premium for full coverage: $1,250
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Golf R models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $522 for a discount liability-only rate to a high rate of $2,696 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how location impacts insurance prices.
These examples illustrate why all drivers should compare rates quotes for a targeted area, rather than using averaged prices.
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 estimated Volkswagen Golf R insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $736
- Raising to $1,000 deductibles will save approximately $142 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,250
- Selecting low deductibles will cost an additional $270 each year
- Unlucky drivers with serious driving violations could pay up to $2,696 or more
- The cost that insures a teenage driver can cost as much as $4,814
Insurance rates for a Volkswagen Golf R can also vary considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 134% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age
Where you live also has a big influence on Volkswagen Golf R insurance rates. A middle-age driver might find rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,690 on average in Florida, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $420 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company calculates rates differently, so the rates can be significantly different.
| 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 Find Affordable Volkswagen Golf R Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a brief review of the material that was touched on above.
- Consumers who want higher liability limits will pay approximately $520 annually to raise from a minimum limit to the 250/500 level
- Teens are charged the highest rates, costing up to $401 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may have to pay on average $1,450 more annually for Golf R insurance
- Increasing deductibles can save approximately $400 each year
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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