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2006 Volkswagen GTI Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 17, 2021

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Average insurance rates for a 2006 Volkswagen GTI are $1,004 a year for full coverage. Comprehensive costs around $154, collision costs $224, and liability costs around $468. Buying a liability-only policy costs as low as $518 a year, with high-risk insurance costing around $2,170. Teenage drivers receive the highest rates at $4,076 a year or more.

Annual premium for full coverage: $1,004

Rate estimates for 2006 Volkswagen GTI Insurance

Comprehensive $154
Collision $224
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2006 Volkswagen GTI models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $518 for basic liability insurance to the much higher price of $2,170 for high-risk insurance.

Liability Only $518
Full Coverage $1,004
High Risk $2,170

View Chart as Image

2006 Volkswagen GTI insurance rates compared
Column chart showing 2006 Volkswagen GTI insurance prices range from $606 to $4,076 for full coverage

These differences show why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2006 Volkswagen GTI Insurance

Searching Companies

Buying the lowest cost car insurance on the web is somewhat difficult for beginners to buying insurance on the web. With such a large number of online companies available, how can you effectively compare them all to find the best available price?

Finding affordable coverage is not that difficult. In a nutshell, anyone who is shopping for insurance coverage will be able to find better rates. But consumers need to have an understanding of how big insurance companies sell insurance online.

Compare the Market for Insurance

All major insurance companies quote pricing on their websites. Obtaining pricing is pretty easy as you just enter the coverage amounts you desire as requested by the quote form. When complete, their system automatically retrieves information on your driving record and credit history and returns a price.

Online price quotes helps simplify price comparisons, but the time required to go to multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to find the lowest price.

Rate comparisons made easy

A less time-consuming method to find cheaper rates makes use of a single form that obtains quotes from more than one company. It’s a real time-saver, requires less work, and makes price shopping online much more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the returned quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.

To save time and find out how much you can save on insurance, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend that you enter the insurance coverages just like they are on your policy. Doing this guarantees you will get a fair comparison for the exact same coverage.

Companies offer discounts so take them!

Companies that sell car insurance don’t always publicize every discount very clearly, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • No Claims – Drivers with accident-free driving histories pay much less when compared with bad drivers.
  • Driver Safety – Taking a driver safety course can save you 5% or more if your company offers it.
  • Early Switch Discount – Some companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Student in College – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.

Keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, auto insurance companies aren’t that generous.

A partial list of companies who might offer these benefits may include but are not limited to:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in every state.

Free Auto Insurance Comparison

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

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Do I just need basic coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help highlight if your situation could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • If my pet gets injured in an accident are they covered?
  • Is my state a no-fault state?
  • Is extra glass coverage worth it?
  • When would I need rental car insurance?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Insurance policy coverages for a Volkswagen GTI

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance pays for damage to your GTI resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, hitting a deer, falling objects, hail damage and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

This can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage, loss of income and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as ambulance fees, doctor visits and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2006 Volkswagen GTI Insurance Rates by City
City Premium
New York City, NY $1,590
Los Angeles, CA $1,719
Philadelphia, PA $1,344
Jacksonville, FL $1,462
Phoenix, AZ $1,168
Chicago, IL $1,350
Houston, TX $1,576
Seattle, WA $980
Columbus, OH $840
Indianapolis, IN $854

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Volkswagen GTI Insurance Rates by Driver Age
Driver Age Premium
16 $4,076
20 $2,312
30 $1,024
40 $1,004
50 $922
60 $904

Full coverage, $500 deductibles

Rates by Deductible

2006 Volkswagen GTI Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,170
$250 $1,094
$500 $1,004
$1,000 $918

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen GTI Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,004
50/100 $1,098
100/300 $1,215
250/500 $1,519
100 CSL $1,144
300 CSL $1,402
500 CSL $1,589

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Volkswagen GTI Insurance Rates for High Risk Drivers
Age Premium
16 $5,738
20 $3,686
30 $2,188
40 $2,170
50 $2,076
60 $2,054

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $136

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $62
5-yr Claim Free $63
Paid in Full/EFT $37
Advance Quote $44
Online Quote $68
Total Discounts $398
Rate after discounts $606

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2006 Volkswagen GTI Insurance Rates by State
State Premium
Alabama $910
Alaska $772
Arizona $834
Arkansas $1,004
California $1,146
Colorado $962
Connecticut $1,034
Delaware $1,138
Florida $1,260
Georgia $926
Hawaii $720
Idaho $680
Illinois $750
Indiana $756
Iowa $678
Kansas $956
Kentucky $1,372
Louisiana $1,488
Maine $622
Maryland $828
Massachusetts $804
Michigan $1,746
Minnesota $842
Mississippi $1,206
Missouri $892
Montana $1,080
Nebraska $794
Nevada $1,206
New Hampshire $726
New Jersey $1,124
New Mexico $890
New York $1,060
North Carolina $578
North Dakota $824
Ohio $694
Oklahoma $1,032
Oregon $922
Pennsylvania $960
Rhode Island $1,342
South Carolina $910
South Dakota $848
Tennessee $882
Texas $1,212
Utah $744
Vermont $688
Virginia $602
Washington $778
West Virginia $922
Wisconsin $694
Wyoming $898

Free Auto Insurance Comparison

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