Volkswagen GTI Insurance Rates

You are not alone if you ever asked yourself, “How music is insurance on a Volkswagen GTI?” While the amount of money you pay varies based on things like your age and location, drivers pay an average of $1,384 a year for full coverage.

In order to help you in your search for cheap Golf GTI insurance rates, we’ve prepared this comprehensive guide. This article will detail exactly how Volkswagen GTI insurance rates are determined so you can shop for a policy like an expert.

You can even start comparing Volkswagen GTI quotes right now by taking advantage of our free online tool.

Estimated auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive costs on average $132, collision costs $188, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,984. 16-year-old drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates by type of coverage:

Estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why everyone should compare rates based on a specific location and their own personal driving habits, rather than using rate averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down estimated Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $563
• Drivers who choose higher $1,000 deductibles will pay around $74 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $920
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,060
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,984 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage may cost $3,778 a year

View Chart as Image

Auto insurance prices for a Volkswagen GTI also have a wide range based on the model of your GTI, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $3,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $220 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2002 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Low Cost Volkswagen GTI Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, refrain from filing small claims, and taking advantage of discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from several local insurance agents.

The following is a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
• Drivers who have several accidents or serious violations pay on average $1,060 more each year for GTI insurance
• Increasing policy deductibles could save up to $225 each year
• Teens are charged the highest prices, with the cost nearing $315 per month if full coverage is included

To this point, you might have picked up on the fact that insurance companies consider a wide assortment of factors when quoting potential policyholders. You can discover what Volkswagen GTI insurance rates are available to you by using our free quote tool below.

What are the Volkswagen GTI safety ratings?

Insurance companies will look at the safety features and ratings of the model you drive in order to help them determine how much to charge for your Volkswagen GTI insurance policy.

Take a look at the following safety ratings of the Volkswagen GTI with crash test results conducted by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Acceptable
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These scores indicate that the Volkswagen GTI received the highest mark possible in each category with the exception of the small overlap on the passenger’s side.

Volkswagen GTI Compared Against Other Vehicles in the Same Class

Classified as a small four-door car, the Volkswagen GTI has a lighter curb weight, which some insurance companies might see as less favorable. However, you can stay up to date on how the Volkswagen GTI stacks up to similar models.

Take a look at the following small four-door cars to see how their average insurance rates compare to the Volkswagen GTI.

• Subaru Impreza
• Ford Focus
• Toyota Corolla

When it comes down to the figures, the IIHS reports that the Volkswagen GTI has a bodily injury loss percentage of -30 percent and a property damage loss percentage of -26 percent. These figures are considered well above average for this vehicle class.

Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Volkswagen GTI insurance quotes from multiple companies today.