Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a used Volkswagen Golf R? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Volkswagen Golf R insurance facts

  • Average full coverage auto insurance premium: $180/month

  • Most affordable companies: State Farm ($117/month) & Progressive ($126/month)

  • Golf R car insurance cost vs. average rate: $23 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volkswagen Golf R by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Volkswagen Golf R insurer costs by state:

Risk factors affecting Volkswagen Golf R car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Volkswagen Golf R car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volkswagen models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volkswagen Automobile Brand

Volkswagen Group is the world’s largest automobile manufacturer overtaking Toyota, selling nearly 12 million vehicles worldwide and in the United States market. The target market of Volkswagen is urban and suburban consumers from 24 to 50 years old. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Tiguan, Beetle, Jetta, and Passat are some of their most popular vehicles.

Higher than average Golf R repair costs equal higher coverage rates

Many consumers are attracted to the Volkswagen cars for the performance, safety ratings, and driver-assist technologies, such as the forward-collision warning system. Automotive parts are pretty common, but not a cheap as popular vehicles, like Toyota or Honda. Repairing a Volkswagen is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volkswagen’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Volkswagen Golf R affecting auto policies

Volkswagens are one of the fastest depreciating automobiles in the U.S. market, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volkswagen models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Volkswagen’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (Attentiveness Monitoring), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volkswagen models. The Tiguan, Golf GTI, and Jetta are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Volkswagen top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Volkswagen automobile owners when buying a car insurance policy.

2019 Volkswagen Golf R

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2568
Allstate$2139
American Family$1935
Amica$2612
Country Financial$2219
Erie$1580
GEICO$1630
Kentucky Farm Bureau$2237
Liberty Mutual$1682
Mercury$2065
MetLife$2590
Nationwide$1730
Progressive$1520
State Farm$1406
Tennessee Farmers$2011
Texas Farm Bureau$1894
The Hanover$2350
Travelers$2215
USAA$1523

Compare all 2019 Volkswagen Golf R rates

Average Cost to Insure Per Year

$2168

List Price

$40395

Trims Available

Base with engine - turbocharged and intercooled DOHC 16-valve inline-4, iron block and aluminum head, direct fuel injection - Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2018 Volkswagen Golf R

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2561
Allstate$2134
American Family$1929
Amica$2515
Country Financial$2216
Erie$1574
GEICO$1630
Kentucky Farm Bureau$2219
Liberty Mutual$1654
Mercury$2045
MetLife$2489
Nationwide$1729
Progressive$1490
State Farm$1368
Tennessee Farmers$1981
Texas Farm Bureau$1865
The Hanover$2348
Travelers$2158

Compare all 2018 Volkswagen Golf R rates

Average Cost to Insure Per Year

$1890

List Price

$39785

Trims Available

Base with engine - turbocharged and intercooled DOHC 16-valve inline-4, iron block and aluminum head, direct fuel injection - Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2017 Volkswagen Golf R

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1389
Acuity$ 1389
Arbella$ 1607
Arbella$ 1607
Country$ 1553
Country$ 1553
Erie$ 1181
Erie$ 1181
GEICO$ 1549
GEICO$ 1549
Mercury$ 1211
Mercury$ 1211
Plymouth Rock Insurance$ 1164
Plymouth Rock Insurance$ 1164
Progressive$ 1195
Progressive$ 1195
Tennessee Farmers$ 1387
Tennessee Farmers$ 1387
Texas Farm Bureau$ 1283
Texas Farm Bureau$ 1283
USAA$ 1451
USAA$ 1451
Vermont Mutual$ 1398
Vermont Mutual$ 1398

Compare all 2017 Volkswagen Golf R rates

Average Cost to Insure Per Year

$ 1592

List Price

$ 35655

Trims Available

Base

2016 Volkswagen Golf R

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1381
Acuity$ 1381
American Family$ 1551
American Family$ 1551
Country$ 1533
Country$ 1533
Erie$ 1124
Erie$ 1124
Mercury$ 1193
Mercury$ 1193
Plymouth Rock Insurance$ 1128
Plymouth Rock Insurance$ 1128
Progressive$ 1119
Progressive$ 1119
State Farm$ 1516
State Farm$ 1516
Tennessee Farmers$ 1328
Tennessee Farmers$ 1328
Texas Farm Bureau$ 1217
Texas Farm Bureau$ 1217
USAA$ 1270
USAA$ 1270
Vermont Mutual$ 1381
Vermont Mutual$ 1381

Compare all 2016 Volkswagen Golf R rates

Average Cost to Insure Per Year

$ 1540

List Price

$ 35650

Trims Available

Base

2015 Volkswagen Golf R

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1313
Acuity$ 1313
Arbella$ 1567
Arbella$ 1567
Country$ 1464
Country$ 1464
Erie$ 1114
Erie$ 1114
GEICO$ 1525
GEICO$ 1525
Mercury$ 1181
Mercury$ 1181
Plymouth Rock Insurance$ 1095
Plymouth Rock Insurance$ 1095
Progressive$ 1226
Progressive$ 1226
Tennessee Farmers$ 1299
Tennessee Farmers$ 1299
Texas Farm Bureau$ 1153
Texas Farm Bureau$ 1153
USAA$ 1317
USAA$ 1317
Vermont Mutual$ 1275
Vermont Mutual$ 1275

Compare all 2015 Volkswagen Golf R rates

Average Cost to Insure Per Year

$ 1459

List Price

$ 36595

Trims Available

Base PZEV

2013 Volkswagen Golf R

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1210
Acuity$ 1210
Arbella$ 1414
Arbella$ 1414
Country$ 1396
Country$ 1396
Erie$ 986
Erie$ 986
GEICO$ 1314
GEICO$ 1314
Mercury$ 1218
Mercury$ 1218
Plymouth Rock Insurance$ 1048
Plymouth Rock Insurance$ 1048
Progressive$ 1108
Progressive$ 1108
Tennessee Farmers$ 1249
Tennessee Farmers$ 1249
Texas Farm Bureau$ 1127
Texas Farm Bureau$ 1127
USAA$ 1140
USAA$ 1140
Vermont Mutual$ 1163
Vermont Mutual$ 1163

Compare all 2013 Volkswagen Golf R rates

Average Cost to Insure Per Year

$ 1397

List Price

$ 34195

Trims Available

Base

2012 Volkswagen Golf R

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1129
Acuity$ 1129
Allied$ 1301
Allied$ 1301
Country$ 1332
Country$ 1332
Erie$ 950
Erie$ 950
GEICO$ 1250
GEICO$ 1250
Mercury$ 1220
Mercury$ 1220
Plymouth Rock Insurance$ 1021
Plymouth Rock Insurance$ 1021
Progressive$ 1012
Progressive$ 1012
Tennessee Farmers$ 1199
Tennessee Farmers$ 1199
Texas Farm Bureau$ 1097
Texas Farm Bureau$ 1097
USAA$ 1098
USAA$ 1098
Vermont Mutual$ 1077
Vermont Mutual$ 1077

Compare all 2012 Volkswagen Golf R rates

Average Cost to Insure Per Year

$ 1323

List Price

$ 33990

Trims Available

Base