Volkswagen Golf R Car Insurance Cost 2025
Insuring an Volkswagen Golf R with Unitrin usually costs around $2,543 per year. However, the exact price can vary depending on factors such as your age, the car’s model year, and other factors. You can use the quote tables provided below to get a personalized estimate.
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Insuring a Volkswagen Golf R typically costs around $2,543 per year, equating to approximately $212 per month. This premium is higher than the national average for hatchbacks, reflecting the Golf R’s performance capabilities and associated repair costs. However, rates can vary significantly based on factors like driver age, location, and driving history.
For instance, Lemonade offers coverage for as low as $39 per month for certain model years. To secure the best rate, it’s advisable to compare quotes from multiple insurers, considering both coverage options and potential discounts.
How Much Does Volkswagen Golf R Car Insurance Cost?
Usually, Unitrin offers the most favorable option, charging approximately $2,543 per year for comprehensive insurance on a 2024 Volkswagen Golf R.
While Unitrin’s rate is a helpful starting point, it’s important to understand that car insurance expenses can vary significantly due to various factors. These factors include your location, driving history, car’s age, and the specific coverage options you choose. Maintaining a clean driving record typically results in lower premiums, but a history of accidents or traffic violations can increase rates.
Additionally, living in a busy urban area often leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.
At Insuranceopedia, we’re here to assist you in comparing quotes from different insurance providers to ensure you find the most favorable deal.
Average Insurance Cost Of Volkswagen Golf R Model Year
| Model Year | Average Premium |
| 2025 Volkswagen Golf R | $1,504 |
| 2024 Volkswagen Golf R | $1,425 |
| 2023 Volkswagen Golf R | $6,280 |
| 2022 Volkswagen Golf R | $1,869 |
| 2020 Volkswagen Golf R | $1,250 |
| 2019 Volkswagen Golf R | $1,667 |
| 2018 Volkswagen Golf R | $2,240 |
| 2017 Volkswagen Golf R | $1,178 |
| 2016 Volkswagen Golf R | $1,479 |
| 2015 Volkswagen Golf R | $1,972 |
| 2014 Volkswagen Golf R | $952 |
| 2013 Volkswagen Golf R | $1,685 |
2025 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2025 Volkswagen Golf R is $1,504. However, USAA offers the cheapest rates, averaging $1,130 per year.
| Insurance Provider | Average Annual Cost |
| Kemper | $2,166 |
| GEICO | $1,270 |
| State Farm | $1,191 |
| Auto‑Owners | $1,289 |
| Progressive | $1,771 |
| Allstate | $1,686 |
| USAA | $1,130 |
| Nationwide | $1,516 |
| Travelers | $1,262 |
| Farmers | $1,759 |
2024 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2024 Volkswagen Golf R is $1,425. However, Unitrin offers the cheapest rates, averaging $1,425 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,425 |
2023 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2023 Volkswagen Golf R is $6,280. However, Dairyland Auto offers the cheapest rates, averaging $2,651 per year.
| Insurance Provider | Average Annual Cost |
| National General | $9,909 |
| Dairyland Auto | $2,651 |
2022 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2022 Volkswagen Golf R is $1,869. However, Travelers offers the cheapest rates, averaging $1,248 per year.
| Insurance Provider | Average Annual Cost |
| Shelter | $1,650 |
| State Farm | $2,370 |
| American Family | $1,974 |
| Allied | $1,800 |
| Travelers | $1,248 |
| Farm Bureau Mutual (IA Group) | $1,844 |
| Central Mutual Insurance Co | $1,425 |
| Auto-Owners Insurance Co | $2,207 |
| USAA | $2,285 |
| National Farmers Union P | $1,882 |
2020 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2020 Volkswagen Golf R is $1,250. However, State Farm offers the cheapest rates, averaging $845 per year.
| Insurance Provider | Average Annual Cost |
| Safety Group | $939 |
| Allstate | $2,644 |
| Vermont Mutual | $1,185 |
| Commerce Group Inc | $1,114 |
| MMG Insurance Company | $799 |
| Concord Group | $1,026 |
| State Farm | $845 |
| Nationwide | $1,345 |
| Encompass | $1,398 |
| Patriot Group | $1,204 |
2019 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2019 Volkswagen Golf R is $1,667. However, Plymouth Rock Assurance offers the cheapest rates, averaging $902 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,445 |
| Penn National | $2,044 |
| Nationwide | $1,837 |
| Safety Group | $1,755 |
| Plymouth Rock Assurance | $902 |
| Mercury Insurance | $1,605 |
| Safeco | $1,305 |
| USAA | $1,958 |
| Preferred Mutual | $2,068 |
| Norfolk and Dedham Group | $1,747 |
2018 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2018 Volkswagen Golf R is $2,240. However, New York Central Mutual Fire offers the cheapest rates, averaging $1,076 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,677 |
| Mercury | $3,095 |
| CSAA | $2,638 |
| Travelers | $2,217 |
| New York Central Mutual Fire | $1,076 |
| USAA | $2,047 |
| Erie | $1,629 |
| Central Mutual Insurance Co | $2,717 |
| Preferred Mutual | $2,910 |
| Donegal Mutual Insurance Co | $2,392 |
2017 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2017 Volkswagen Golf R is $1,178. However, Safeco offers the cheapest rates, averaging $602 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,034 |
| Western Reserve | $1,651 |
| Oregon Mutual | $1,322 |
| New York Central Mutual Fire | $1,089 |
| Safeco | $602 |
| PEMCO | $1,017 |
| SECURA Insurance | $968 |
| Mutual Of Enumclaw | $1,442 |
| Country | $1,498 |
| Buckeye Insurance Group | $1,153 |
2016 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2016 Volkswagen Golf R is $1,479. However, American National P offers the cheapest rates, averaging $420 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $1,179 |
| Atlantic States Insurance | $2,268 |
| Auto-Owners Insurance Co | $1,761 |
| Penn National | $1,361 |
| American National P | $420 |
| Country | $1,243 |
| Southern Farm Bureau | $1,128 |
| Erie | $1,937 |
| Virginia Farm Bureau | $1,974 |
| Central Mutual Insurance Co | $1,522 |
2015 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2015 Volkswagen Golf R is $1,972. However, Mercury offers the cheapest rates, averaging $1,514 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,914 |
| Unitrin | $2,251 |
| California Capital | $2,092 |
| CSAA | $1,986 |
| Mercury | $1,514 |
| Auto Club | $1,983 |
| Esurance | $1,555 |
| Metropolitan | $2,168 |
| State Farm | $2,189 |
| Allstate | $2,069 |
2014 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2014 Volkswagen Golf R is $952. However, USAA offers the cheapest rates, averaging $709 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $776 |
| Oregon Mutual | $1,203 |
| Unitrin | $1,059 |
| Mutual Of Enumclaw | $890 |
| USAA | $709 |
| GMAC Insurance Group | $913 |
| Capital Insurance Group | $735 |
| Unigard | $1,076 |
| Erie | $1,199 |
| State Farm | $962 |
2013 Volkswagen Golf R Insurance Rates
The average annual insurance cost for a 2013 Volkswagen Golf R is $1,685. However, SECURA Insurance offers the cheapest rates, averaging $886 per year.
| Insurance Provider | Average Annual Cost |
| State Auto | $1,646 |
| American Independent Ins Co | $1,975 |
| USAA | $1,855 |
| Chubb | $1,686 |
| SECURA Insurance | $886 |
| New Jersey Manufacturers | $1,633 |
| Erie | $1,503 |
| Dairyland | $1,919 |
| MEEMIC Insurance Company | $1,923 |
| Auto-Owners Insurance Co | $1,820 |
Find Affordable Volkswagen Golf R Car Insurance
Are Volkswagen Golf R Expensive To Insure?
Insuring a Volkswagen Golf R tends to be more expensive than covering many other vehicles. The average annual premium for a Golf R is approximately $2,543, translating to about $212 per month. This elevated cost is attributed to factors such as the car’s high-performance capabilities, advanced technology, and expensive repair costs. Insurance rates can vary significantly based on factors like the driver’s age, driving history, and location. For instance, premiums for the 2024 Golf R model average around $1,429 annually. To obtain the most accurate rates, it’s advisable to compare quotes from multiple insurance providers.
Volkswagen Golf R Car Insurance Rates By Age
Age is a key factor in setting car insurance rates. Teen drivers usually face the highest costs because they’re statistically more likely to be involved in accidents. As drivers gain experience and get older, their risk level drops, leading to lower insurance premiums over time.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $805 | $1,700 | $1,300 |
| 18 | $809 | $1,700 | $1,300 |
| 19 | $280 | $340 | $1,500 |
| 20 | $222 | $199 | $1,200 |
| 21 | $119 | $200 | $1,090 |
| 22 | $120 | $199 | $1,035 |
| 23 | $135 | $250 | $964 |
| 24 | $464 | $209 | $932 |
| 25 | $355 | $245 | $870 |
| 30 | $249 | $199 | $825 |
| 35 | $213 | $190 | $770 |
| 40 | $194 | $170 | $705 |
| 45 | $182 | $160 | $670 |
| 55 | $161 | $189 | $600 |
| 65 | $200 | $170 | $560 |
| 75 | $171 | $188 | $500 |
Volkswagen Golf R Car Insurance Rates By State
Your location has a major impact on how insurance companies determine your Volkswagen Golf R premium. Since auto insurance is regulated at the state level, rates can vary widely depending on where you live. For instance, states like Michigan tend to have higher premiums due to mandatory high coverage requirements.
Climate also plays a role—areas prone to extreme weather events such as hurricanes, floods, or snowstorms are considered higher risk, which can drive up insurance costs. In addition, insurers take into account local data on crime, accidents, car thefts, and fatal crashes. All these factors are used to calculate your specific insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Alabama | $2,070 | $2,990 | $3,750 |
| Alaska | $1,710 | $2,330 | $2,300 |
| Arizona | $1,945 | $2,795 | $4,100 |
| Arkansas | $2,135 | $3,230 | $3,555 |
| California | $2,335 | $4,170 | $2,325 |
| Colorado | $2,190 | $3,045 | $3,875 |
| Connecticut | $2,750 | $4,320 | $5,490 |
| Delaware | $2,310 | $3,080 | $3,950 |
| Florida | $2,705 | $3,735 | $4,900 |
| Hawaii | $880 | $1,230 | $895 |
| Idaho | $1,525 | $2,035 | $2,510 |
| Illinois | $1,590 | $2,410 | $2,740 |
| Indiana | $1,625 | $2,495 | $2,800 |
| Iowa | $1,300 | $1,780 | $2,095 |
| Kansas | $1,735 | $2,510 | $2,930 |
| Kentucky | $2,465 | $3,645 | $4,340 |
| Louisiana | $3,170 | $4,835 | $5,260 |
| Maine | $1,215 | $1,665 | $2,470 |
| Maryland | $1,940 | $2,850 | $3,150 |
| Massachusetts | $1,565 | $2,735 | $1,560 |
| Michigan | $3,780 | $5,800 | $9,170 |
| Minnesota | $1,565 | $2,065 | $2,940 |
| Mississippi | $1,895 | $2,690 | $2,695 |
| Missouri | $1,745 | $2,540 | $3,310 |
| Montana | $1,785 | $2,500 | $2,915 |
| Nebraska | $1,535 | $2,280 | $2,510 |
| Nevada | $2,520 | $3,755 | $4,000 |
| New Hampshire | $1,760 | $2,785 | $3,515 |
| New Jersey | $1,930 | $3,000 | $3,980 |
| New Mexico | $1,990 | $2,985 | $3,090 |
| New York | $1,840 | $2,320 | $3,875 |
| North Carolina | $1,140 | $1,960 | $1,395 |
| North Dakota | $1,580 | $2,355 | $2,820 |
| Ohio | $1,390 | $2,110 | $2,190 |
| Oklahoma | $2,240 | $3,160 | $3,560 |
| Oregon | $2,010 | $2,690 | $3,215 |
| Pennsylvania | $1,675 | $2,490 | $2,930 |
| Rhode Island | $2,800 | $4,140 | $4,650 |
| South Carolina | $1,930 | $2,670 | $3,730 |
| South Dakota | $1,730 | $2,490 | $2,880 |
| Tennessee | $2,025 | $3,020 | $4,015 |
| Texas | $2,045 | $3,000 | $3,670 |
| Utah | $1,735 | $2,460 | $3,420 |
| Vermont | $1,320 | $2,050 | $2,205 |
| Virginia | $1,245 | $1,915 | $1,890 |
| Washington | $1,670 | $2,270 | $2,700 |
| West Virginia | $1,675 | $2,380 | $3,030 |
| Wisconsin | $1,670 | $2,620 | $3,030 |
| Wyoming | $1,530 | $2,180 | $2,325 |
| Georgia | $2,240 | $3,280 | $3,305 |
Cheapest Car Insurance Companies For A Volkswagen Golf R
Among the top insurance providers for a Volkswagen Golf R, USAA offers the most affordable monthly premium at $118, making it the cheapest option for eligible drivers (typically military members and their families). On the other end, Progressive has the highest monthly rate at $142 among the listed companies. The rest—GEICO, Nationwide, and State Farm—fall somewhere in between, offering competitive rates that may vary slightly based on your personal profile and location.
| Insurance Company | Average Monthly Rate |
|---|---|
| GEICO | $129 |
| Progressive | $142 |
| USAA | $118 |
| State Farm | $137 |
| Nationwide | $126 |
Common Volkswagen Golf R Insurance Discounts
Taking advantage of discounts is an effective way to reduce your car insurance expenses. While each insurance company offers its own set of discounts, there are a few common ones worth checking:
- Bundling policies: Combining your auto and home insurance with the same provider can often lead to a lower overall rate.
- Paying in full: Choosing to pay your entire premium upfront instead of in monthly installments can earn you a discount.
- Defensive driving courses: Completing a certified defensive driving class may make you eligible for reduced rates.
Additional discounts may be available depending on your situation. It’s a good idea to talk to your insurance agent, who can help you identify which savings you qualify for.
Compare Volkswagen Golf R To Other Volkswagen Models
Looking for other Volkswagen model insurance costs?
- Volkswagen Golf Sportwagen Car Insurance
- Volkswagen GTI Car Insurance
- Volkswagen Arteon Car Insurance
- Volkswagen Atlas Car Insurance
- Volkswagen Golf Car Insurance
- Volkswagen Jetta Car Insurance
- Volkswagen Passat Car Insurance
- Volkswagen Tiguan Car Insurance
- Volkswagen E-Golf Car Insurance
- Volkswagen Atlas Cross Sport Car Insurance
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volkswagen Golf R?
Yes, you’ll need to show proof of insurance before you can take your Volkswagen Golf R home from the dealership. It’s usually better to purchase a policy in advance and notify your insurer about your upcoming vehicle purchase, rather than relying on insurance offered through the dealership. This gives you more flexibility and often results in better coverage and rates.
How Can You Get The Cheapest Insurance For Your Volkswagen Golf R?
To get the lowest insurance rates for your Volkswagen Golf R, the most effective strategy is to shop around and compare offers from various insurance companies. Luckily, Insuranceopedia makes this easy by allowing you to view and compare quotes from multiple providers directly on our website.
