Volkswagen E-Golf Car Insurance: How Much Should You Expect to Pay?

Volkswagen E-Golf owners pay around $156 a month for their auto insurance, on average. Check out our latest guide to know how much car insurance carriers might charge you to insure your Volkswagen E-Golf.
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Quick Facts

  • Insuring a Volkswagen E-Golf costs about the same as insuring the average car.
  • Liability auto insurance for an E-Golf runs about $63 per month, while full coverage generally tends to be around $172.
  • At sometimes as little as $33 monthly for liability only coverage, Aspire is the lowest car insurance carrier for an E-Golf.

E-Golf Overview

The Volkswagen E-Golf is a great budget-friendly car for drivers of all types, with a base price of just $31,895 for 2019 models. With two different trim levels currently available, you'll drive off the dealership lot in style.

We ran through thousands of insurance quotes on, and we've found that Volkswagen E-Golf auto insurance prices are about $156 per month, on average. But how does that stack up to other similar vehicles out there on the market?

Current Base Price$31,895
Body Style(s)Car
Average Insurance Premium$156/mo.
Cheapest Insurance CompanyAspire

How Much is Car Insurance for a Volkswagen E-Golf?

Vehicle Liability Only Full Coverage
Volkswagen E-Golf$63$172
All Volkswagen Models$80$170
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll see that Volkswagen E-Golf insurance rates are right around average compared to other vehicles on the road. On average, E-Golf drivers will pay about $172 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $63 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Compared to other models from Volkswagen, the E-Golf's insurance rate is matches the rest of the manufacturer's vehicle offerings. But coverage for the E-Golf is lower than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive premiums than other cars.

Compared to all vehicles of any body type, the E-Golf has cheaper prices than average for both full coverage and liability only insurance.

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Who has the Cheapest Car Insurance for a Volkswagen E-Golf?

Insurance Company Average Monthly Premium

Shopping around for a car insurance policy for your Volkswagen E-Golf? You most likely want to know which company offers the most affordable prices. Although rates can differ significantly from between drivers, the cheapest average rates for liability only insurance are sometimes as low as $25 a month from Infinity. The next most affordable carrier is MetroMile, who offers car insurance as low as just $26 per month.

The third, fourth, and fifth companies on the list are Aspire, Clearcover, and MetLife. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Volkswagen E-Golf.

After all, auto insurance companies look at a whole range of different variables when calculating rates, so your results might be different. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from a lot of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Volkswagen E-Golf?

There are several things that insurance companies take a look at to decide how much to charge you -- and every company weighs different attributes more heavily than others, so there's not just one carrier that's the lowest for each driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$70
2-3 Years$46
4-5 Years$75
6-7 Years$39
8-10 YearsNot Enough Data
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Volkswagen E-Golf has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually get lower.

According to the table above, the Volkswagen E-Golf follows this trend, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest models are E-Golfs that are 6 to 7 years old, on average.

Your Age

Age Average Monthly Premium

Age plays a big role in how much auto insurance carriers will charge. As you can see above, drivers with more experience pay less for insurance compared to young drivers. Volkswagen E-Golf drivers 18 to 24 actually pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with drivers aged 35-44 making up the cheapest age group for the E-Golf.

Your Gender

Gender Average Monthly Premium

Because women are less likely to get tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to charge women less than men. For E-Golf owners, that difference is around $17 monthly, with men paying an average of $56 and women looking at around $73.

Where You Live

State Average Monthly Premium

It may seem like common sense that variables such as how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live matters just as much? Since car insurance is regulated on a state-by-state basis, rates change quite a bit from state to state.

For example, California has rates for E-Golf drivers that are more affordable than other locations.

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Volkswagen E-Golf Car Insurance Discounts

No matter what state you call home, how old you are, or which vehicle you drive, using as many discounts as possible when it comes to your insurance policy is always the smart move.

Even though all car insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include discounts like:

  • Multi-car discounts for having more than one vehicle on your auto policy
  • Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments
  • Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings

While discounts are always a good way to save money on your auto insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Although you can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), you can control some of it. Below are just a few of the ones you can use to your favor in order to save on car insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$81
1 Ticket$183
Multiple TicketsNot Enough Data

It's no secret that insurance carriers offer the most affordable premiums to drivers with clean records. It follows that your auto insurance prices will increase if you get tickets or get into an accident. But how much will they cost you?

If you look at the table above, you'll notice that accidents will usually cost E-Golf drivers less than tickets, but both will result in higher than normal rates. Volkswagen E-Golf drivers with one accident on their record pay an average of $78 per month (up $15 from the $63/mo. overall average), while drivers with a single ticket will pay about $183 per month. The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$22
2,501-5,000 Miles$60
5,001-7,500 Miles$33
7,501-10,000 Miles$66
10,000+ Miles$77

The total distance you drive plays a role when it comes to your insurance rates. Drivers who are on the roads less often are less likely to get tickets, so they'll usually get lower prices. In the table above, you can see that Volkswagen E-Golf owners who drive 10,000 miles or more pay $77 for car insurance, while those who drive fewer than 2,500 miles each year pay about $22 a month.

But if you drive less often than the average driver or work from home, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volkswagen E-Golfs Compare to Other Vehicles?

If you're considering buying a Volkswagen E-Golf, it might be helpful to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Volkswagen E-Golf compares:

Volkswagen E-Golf National Average
Liability Insurance$42$81
Full Coverage Insurance$129$169
Base MSRP$31,895$46,074
Average Annual Mileage7,82611,617

Overall, the Volkswagen E-Golf is a great value when it comes to price, with an MSRP that's a quarter less than the going rate for a new vehicle. The E-Golf comes in at $31,895, which is quite a bit lower than the national average vehicle price of $46,074.

Likewise, insurance premiums run below average when compared to other vehicles on the market. Full coverage insurance for a Volkswagen E-Golf is about $40 a month cheaper than average, while liability only coverage is over $30 less monthly.

However, it is worth noting that the E-Golf owners tend to drive their cars less than the average American driver, with only 7,826 annual miles for the average owner.

Volkswagen E-Golf Car Insurance Costs by Model Year

So far, you've seen how different things affect a driver's auto insurance rates. But if you're considering purchasing a new E-Golf, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your options.

2019 Volkswagen E-Golf Car Insurance

Liability Only Avg. Premium$42
Full Coverage Avg. Premium$129
Base MSRP$31,895
Cheapest Insurance CompanyMercury - $33/mo.
Available TrimsSE, SEL PREMIUM

2019 E-Golf drivers can expect to pay an average of $42 per month for liability or $129 for full coverage.

Mercury has prices as cheap as just $33 monthly for the 2019 Volkswagen E-Golf.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2017 Volkswagen E-Golf Car Insurance

Liability Only Avg. Premium$102
Full Coverage Avg. Premium$119
Base MSRP$30,495
Cheapest Insurance CompanyMercury - $32/mo.

On average, drivers who own a 2017 Volkswagen E-Golf can expect to pay $102 to $119 a month for liability only and full coverage insurance, respectively.

If you're looking for the cheapest possible 2017 Volkswagen E-Golf insurance policy, Mercury offered the most affordable policy we found, with rates as low as $32 monthly.

Want something more accurate than national averages? Enter your ZIP code below to get a variety of free personalized quotes.

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2016 Volkswagen E-Golf Car Insurance

Liability Only Avg. Premium$67
Full Coverage Avg. Premium$196
Base MSRP$28,955
Cheapest Insurance CompanyMetroMile - $20/mo.
Available TrimsSE, SEL PREMIUM

You can expect full coverage for a 2016 E-Golf to run around $196 per month, while liability only coverage will average about $67 a month.

Looking for the lowest policy? MetroMile offered liability only coverage for as little as $20 monthly.

If you want to know exactly how much you can expect to pay for your E-Golf, just enter your ZIP code below and get free quotes in minutes.

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2015 Volkswagen E-Golf Car Insurance

Liability Only Avg. Premium$72
Full Coverage Avg. Premium$149
Base MSRP$33,450
Cheapest Insurance CompanyClearcover - $48/mo.

The average cost to insure a 2015 Volkswagen E-Golf with liability only coverage is $72 a month, while full coverage runs around $149 per month.

With premiums as little as just $48 monthly, Clearcover offered the most affordable policy we found for the 2015 Volkswagen E-Golf.

If you want to know exactly how much you can expect to pay for your E-Golf, get free quotes in minutes by just entering your ZIP code below.

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Volkswagen E-Golf Insurance FAQs

Is a Volkswagen E-Golf expensive to insure?

Liability insurance runs an average of $63 a month, while full coverage will cost you around $172. The cost of auto insurance for the Volkswagen E-Golf is about the same as insuring the average car.

How can I get the best price on car insurance for my Volkswagen E-Golf?

The only way to be confident you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from an array of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like let you compare rates from a variety of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Volkswagen E-Golf affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually a myth. There are a multitude of factors auto insurance companies think about when they decide how much your policy will be, but your E-Golf's color is not one of them.

Do I need to have insurance before I buy a Volkswagen E-Golf?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but your best bet is letting your car insurance company know beforehand.

What car insurance discounts can I get for my Volkswagen E-Golf?

There are many discounts out there for insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your E-Golf has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to be certain is to contact your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.

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