Cheap Volkswagen Golf R Car Insurance in 2024 (Save Money With These 10 Companies)
Travelers, State Farm, and Nationwide are our leading choices for cheap Volkswagen Golf R car insurance, with premiums for only $101 per month. These companies provide exceptional coverage options, making them ideal for Volkswagen Golf R owners seeking affordable and dependable insurance.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 12, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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1,731 reviewsCompany Facts
Min. Coverage for Volkswagen Golf R
A.M. Best Rating
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1,731 reviews
17,759 reviewsCompany Facts
Min. Coverage for Volkswagen Golf R
A.M. Best Rating
Complaint Level
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17,759 reviews
3,019 reviewsCompany Facts
Min. Coverage for Volkswagen Golf R
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviews
Travelers, State Farm, and Nationwide offer the most affordable and cheap Volkswagen Golf R car insurance, with rates starting at just $101 per month for comprehensive coverage.
Car insurance is essential for owning a Volkswagen Golf R, protecting you from financial loss. Knowing the difference between collision vs. comprehensive car insurance ensures you have the right coverage for various incidents.
Our Top 10 Company Picks: Cheap Volkswagen Golf R Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $101 A++ Comprehensive Discounts Travelers
#2 $105 B Extensive Coverage State Farm
#3 $116 A+ Customer Satisfaction Nationwide
#4 $118 A+ Low Rates Erie
#5 $129 A+ High Ratings NJM
#6 $133 A Affordable Premiums Mercury
#7 $150 A++ Policy Flexibility Auto-Owners
#8 $156 A Strong Financial American Family
#9 $158 A+ Innovative Programs Progressive
#10 $164 A++ Military Focus USAA
The cost of car insurance can vary significantly based on several factors. In this article, we will explore these factors in detail and provide you with useful tips to find affordable car insurance for your Volkswagen Golf R. Enter your ZIP code now to begin.
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#1 – Travelers: Top Overall Pick
Pros
- Affordable Premiums: Travelers offers competitive rates starting at $101 per month, making it a cost-effective choice for Volkswagen Golf R owners looking to manage insurance costs without sacrificing coverage.
- Strong Financial Stability: With an A++ rating from A.M. Best, Travelers ensures financial stability, providing Volkswagen Golf R drivers with confidence in claims handling and financial backing.
- Wide Coverage Options: Travelers provides extensive coverage options, including comprehensive and collision insurance, which is ideal for Volkswagen Golf R enthusiasts who seek thorough protection for their high-performance vehicle, as mentioned in the Travelers insurance review & ratings.
Cons
- Higher Premiums for High-Risk Drivers: Travelers may charge higher rates for drivers with poor records, potentially increasing costs for high-risk Volkswagen Golf R drivers.
- Limited Availability in Some Areas: Coverage might not be available in all regions, which could restrict options for Volkswagen Golf R enthusiasts in less serviced areas.
#2 – State Farm: Best for Extensive Coverage
Pros
- Extensive Coverage Options: State Farm offers a broad range of coverage, including specialty options like rideshare insurance, beneficial for Volkswagen Golf R owners who use their vehicle for various purposes.
- Strong Customer Satisfaction: State Farm’s high ratings in customer satisfaction reflect its commitment to effective service and claims handling, which is reassuring for Volkswagen Golf R drivers.
- Discount Opportunities: State Farm’s various discounts, such as multi-policy and safe driver discounts, can help Volkswagen Golf R owners reduce their premiums and save on insurance costs, as highlighted in the State Farm insurance review & ratings.
Cons
- Higher Base Premiums: State Farm’s base rates start at $105 per month, which might be higher for some Volkswagen Golf R owners, especially those with less favorable risk profiles.
- Online Tools: The online quote tools and website may not be as user-friendly or comprehensive as some competitors’, potentially leading to a less efficient experience for tech-savvy Volkswagen Golf R drivers.
#3 – Nationwide: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Nationwide’s high ratings for customer satisfaction reflect its focus on delivering quality service and support, which is advantageous for Volkswagen Golf R drivers seeking reliable insurance.
- Discounts for Safe Driving: The SmartRide program rewards safe driving habits, offering potential savings for Volkswagen Golf R enthusiasts who maintain a clean driving record.
- Comprehensive Coverage Options: Nationwide provides a variety of coverage options, including accident forgiveness and vanishing deductible, beneficial for Volkswagen Golf R owners who want enhanced protection, as noted in the Nationwide insurance review & ratings.
Cons
- Higher Premiums for Certain Drivers: Premiums start at $116 per month, which may be relatively high for some Volkswagen Golf R owners, particularly those with less favorable driving histories.
- Variable Availability: Nationwide’s coverage and rates may vary by region, which could affect consistency and accessibility for Volkswagen Golf R enthusiasts in different locations.
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#4 – Erie: Best for Low Rates
Pros
- Low Rates: Erie’s premiums start at $118 per month, making it a budget-friendly option for Volkswagen Golf R owners who want to keep insurance costs manageable without compromising coverage.
- Strong Financial Ratings: Erie’s A+ rating from A.M. Best indicates solid financial health, ensuring reliable claims handling for Volkswagen Golf R drivers.
- Comprehensive Coverage: Erie offers a wide range of coverage options, including customizable policies, which can be tailored to the needs of Volkswagen Golf R enthusiasts seeking specific protections.
Cons
- Limited Discounts: Erie may have fewer discount options compared to other providers, potentially reducing opportunities for Volkswagen Golf R drivers to save on their premiums.
- Availability: Erie’s coverage may not be offered in all states, limiting access for Volkswagen Golf R enthusiasts in certain regions. Read more through our Erie insurance review.
#5 – NJM: Best for High Ratings
Pros
- High Ratings: NJM Insurance Group’s A+ rating from A.M. Best reflects its strong financial stability, which is reassuring for Volkswagen Golf R owners concerned about claims reliability.
- Competitive Pricing: With premiums starting at $129 per month, NJM offers competitive rates for Volkswagen Golf R drivers looking for a balance between cost and coverage.
- Excellent Customer Service: NJM is known for high customer satisfaction, providing effective support and efficient claims processing for Volkswagen Golf R enthusiasts. Read more through our “How do I renew my car insurance policy with NJM insurance group?“
Cons
- Higher Premiums: Starting rates are relatively higher compared to some competitors, which might be less appealing for Volkswagen Golf R drivers seeking lower-cost options.
- Limited Availability: NJM’s coverage is not available in all states, potentially restricting access for Volkswagen Golf R enthusiasts in certain regions.
#6 – Mercury: Best for Affordable Premiums
Pros
- Affordable Premiums: Mercury’s premiums start at $133 per month, providing an affordable option for Volkswagen Golf R owners who want to manage insurance costs effectively.
- Good Financial Ratings: With an A rating from A.M. Best, Mercury demonstrates strong financial stability, offering reassurance to Volkswagen Golf R drivers regarding claims handling.
- Flexible Coverage Options: Mercury offers various coverage options and policy customization, catering to the diverse needs of Volkswagen Golf R enthusiasts. Read more through our Mercury insurance review.
Cons
- Limited Coverage Options: Compared to some competitors, Mercury may offer fewer coverage options and policy add-ons, potentially limiting choices for Volkswagen Golf R drivers.
- Customer Service Concerns: Some customers report mixed experiences with Mercury’s customer service, which may affect the insurance experience for Volkswagen Golf R owners.
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#7 – Auto-Owners: Best for Policy Flexibility
Pros
- Policy Flexibility: Auto-Owners offers a wide range of flexible policy options, allowing Volkswagen Golf R owners to customize their coverage to meet specific needs and preferences.
- Strong Financial Ratings: With an A++ rating from A.M. Best, Auto-Owners is highly rated for financial stability, ensuring reliable support for Volkswagen Golf R drivers.
- Comprehensive Coverage: Auto-Owners provides extensive coverage options, including specialty and add-on coverages, beneficial for Volkswagen Golf R enthusiasts seeking enhanced protection. Learn more through our Auto-Owners insurance review.
Cons
- Higher Premiums: Premiums start at $150 per month, which may be relatively high for some Volkswagen Golf R drivers, especially those with less favorable risk profiles.
- Limited Discounts: Auto-Owners may offer fewer discount opportunities, which could impact potential savings for Volkswagen Golf R enthusiasts.
#8 – American Family: Best for Strong Financial
Pros
- Strong Financial Stability: American Family’s A rating from A.M. Best ensures financial reliability, providing Volkswagen Golf R owners with confidence in their insurer’s ability to handle claims.
- Competitive Rates: Premiums start at $156 per month, offering good value for comprehensive coverage, which is appealing for Volkswagen Golf R drivers.
- Broad Coverage Options: American Family provides a range of coverage options, including additional features like accident forgiveness, beneficial for Volkswagen Golf R enthusiasts.
Cons
- Higher Base Premiums: Premiums starting at $156 per month may be on the higher end compared to some competitors, which might be a drawback for budget-conscious Volkswagen Golf R drivers.
- Regional Availability: Coverage may not be available in all areas, limiting options for Volkswagen Golf R enthusiasts in certain locations. Learn more through our American Family insurance review.
#9 – Progressive: Best for Innovative Programs
Pros
- Innovative Programs: Progressive’s innovative programs, such as Snapshot, reward safe driving habits with discounts, which is advantageous for Volkswagen Golf R owners who practice safe driving.
- Comprehensive Coverage: Offers a wide range of coverage options, including customizable policies and add-ons, ideal for Volkswagen Golf R drivers seeking tailored protection.
- Competitive Pricing: Premiums start at $158 per month, providing good value for comprehensive coverage, which is appealing for Volkswagen Golf R enthusiasts, according to Progressive insurance review & ratings.
Cons
- Higher Premiums for Certain Drivers: Premiums can be higher for drivers with less favorable risk profiles, which might affect Volkswagen Golf R drivers with a less clean driving record.
- Customer Service Issues: Some customers report less satisfactory experiences with Progressive’s customer service, which could impact the overall insurance experience for Volkswagen Golf R owners.
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#10 – USAA: Best for Military Focus
Pros
- Military Focus: USAA offers specialized coverage and benefits for military families, providing tailored insurance solutions for Volkswagen Golf R owners who are service members or veterans.
- Exceptional Financial Stability: With an A++ rating from A.M. Best, USAA ensures strong financial backing, offering peace of mind to Volkswagen Golf R drivers regarding claims handling.
- Highly Competitive Rates: Premiums starting at $164 per month are competitive for military members, providing value for comprehensive coverage for Volkswagen Golf R enthusiasts, as noted in the USAA insurance review & ratings.
Cons
- Eligibility Restrictions: USAA’s services are only available to military members, veterans, and their families, which limits access for non-military Volkswagen Golf R drivers.
- Higher Premiums for Some Drivers: Premiums can be higher for those outside the military or with less favorable driving histories, which might impact Volkswagen Golf R enthusiasts with such profiles.
Factors That Affect the Cost of Volkswagen Golf R Car Insurance
Several factors influence the cost of car insurance for a Volkswagen Golf R, including age and gender, with younger and male drivers often facing higher rates due to perceived higher risk. Driving experience and history also play a role, as longer, safer driving records generally lead to lower premiums.
Volkswagen Golf R Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
American Family $156 $173
Auto-Owners $150 $167
Erie $118 $136
Mercury $133 $150
Nationwide $116 $135
NJM $129 $148
Progressive $158 $177
State Farm $105 $120
Travelers $101 $117
USAA $164 $182
Your location can impact rates due to local crime rates and accident likelihood, while your credit history can influence premiums, with good credit typically resulting in lower rates. The vehicle’s value and safety features, along with the chosen deductible and coverage limits, also affect costs.
Additionally, the driver’s occupation and annual mileage can impact rates, with certain jobs considered higher risk and longer commutes or frequent long-distance travel leading to higher premiums. Having comprehensive coverage can further influence the cost, as it provides protection against a range of non-collision-related damages, adding to the overall premium.
Understanding the Insurance Group of Volkswagen Golf R
Car insurance companies categorize vehicles into groups based on factors such as the cost of repairs, performance, and safety features. The higher the insurance group the Volkswagen Golf R belongs to, the higher the insurance premium is likely to be. The Volkswagen Golf R typically falls into a higher insurance group due to its powerful engine and performance capabilities.
One of the factors that car insurance companies consider when categorizing vehicles into insurance groups is the cost of repairs. The Volkswagen Golf R, with its high-performance components and advanced technology, may require specialized repairs that can be more expensive compared to other vehicles. This can contribute to the vehicle being placed in a higher insurance group.
In addition to the cost of repairs, safety features also play a role in determining the insurance group of the Volkswagen Golf R. While the Golf R is equipped with various safety features such as advanced driver assistance systems and multiple airbags, its high-performance nature may also increase the risk of accidents.
Insurance companies take this into account when assigning the vehicle to a specific insurance group. Enter your ZIP code now to begin comparing.
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Comparing Insurance Rates for Different Models in the Volkswagen Golf R Series
When considering insurance costs for your Volkswagen Golf R, it’s essential to compare rates for different models within the Golf R series. Insurance rates can vary between Golf R models based on factors like horsepower, trim levels, and optional add-ons.
Comparing rates will help you identify which specific Volkswagen Golf R model offers the most affordable insurance premium, helping you answer the question, “how much is car insurance” for your chosen model.
The Importance of Comprehensive Coverage for Your Volkswagen Golf R
Due to its value and performance capabilities, it’s crucial to consider comprehensive coverage for your Volkswagen Golf R. Comprehensive coverage protects against theft, vandalism, and damage caused by non-collision events, such as natural disasters.
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While comprehensive coverage may increase your premium, it provides peace of mind and financial protection for your investment. To determine how much insurance coverage do I need, evaluate the car’s value, your budget, and the risks you want to mitigate. Enter your ZIP code now to begin comparing.
Frequently Asked Questions
What factors affect the cost of Volkswagen Golf R car insurance?
The cost of Volkswagen Golf R car insurance can be influenced by several factors including the driver’s age, location, driving record, credit history, and the coverage options chosen.
Does the cost of Volkswagen Golf R car insurance vary by location?
Yes, the cost of Volkswagen Golf R car insurance can vary depending on the location. Insurance rates are often higher in areas with higher rates of accidents, theft, and vandalism. Enter your ZIP code now to begin.
Are there any discounts available for Volkswagen Golf R car insurance?
Yes, insurance companies may offer various discounts for Volkswagen Golf R car insurance, such as those for safe driving records, anti-theft devices, and bundling policies.
To find the most cost-effective option, it’s wise to compare different providers. Researching the cheapest car insurance companies can help you discover which ones offer the best discounts for your Volkswagen Golf R.
Is it more expensive to insure a Volkswagen Golf R compared to other Volkswagen models?
The insurance cost for a Volkswagen Golf R may be higher compared to other Volkswagen models due to its higher performance and value.
Insurance companies often consider factors such as the car’s horsepower, cost of repairs, and overall risk when determining premiums.
Can I lower the cost of Volkswagen Golf R car insurance?
Yes, there are several ways to potentially lower the cost of Volkswagen Golf R car insurance.
These include maintaining a clean driving record, opting for a higher deductible, taking advantage of available discounts, and comparing quotes from multiple insurance providers. Enter your ZIP code now to begin.
Which insurance provider offers the lowest monthly rate for Volkswagen Golf R coverage?
Travelers offers the lowest monthly rate at $101 for Volkswagen Golf R coverage, making it an attractive option for budget-conscious drivers seeking comprehensive insurance. However, it’s essential to ensure that the liability insurance coverage meets your needs.
Liability insurance is crucial for protecting against damages or injuries you may cause to others in an accident, and it’s worth verifying that the coverage included in the Travelers policy provides adequate protection for your situation.
How does Travelers’ financial stability benefit Volkswagen Golf R owners?
Travelers’ A++ rating from A.M. Best ensures high financial stability, which translates to reliable claims handling and financial security for Volkswagen Golf R owners. This rating provides peace of mind that claims will be processed efficiently.
What unique discounts does State Farm provide for Volkswagen Golf R drivers?
State Farm offers extensive coverage options and potential discounts based on driving habits and safety features. These discounts can reduce premiums for Volkswagen Golf R drivers while maintaining robust coverage. Enter your ZIP code now to begin.
Which company is noted for its strong customer satisfaction and what does this mean for Volkswagen Golf R enthusiasts?
Why might USAA be a particularly good option for Volkswagen Golf R owners who are military members or veterans?
USAA offers highly competitive rates and exceptional service specifically tailored to military members and their families, making it an ideal choice for Volkswagen Golf R owners in the military. Additionally, its strong financial stability supports reliable coverage and claims processing.
Compare The Best Insurance Quotes In The Country
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
