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.

The average insurance rates for a Volkswagen GTI are $920 a year with full coverage. Comprehensive costs around $132, collision costs $188, and liability insurance is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $1,984. Teen drivers cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates for type of insurance:

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all GTI models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

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

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.

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

More Rate Details

The chart below details estimated Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $563
• Raising to $1,000 deductibles will save about $74 annually
• The average rate for a good driver age 40 using $500 deductibles is $920
• Choosing pricier low deductibles will increase the cost to $1,060
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,984 or more
• Policy cost for full coverage for a teen driver for full coverage can be $3,778

View Chart as Image

Auto insurance rates for a Volkswagen GTI also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $3,700 a year. View Rates by Age

Your home state also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates as low as $670 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $220 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,100 to $1,600 in extra premium every year, depending on your age. Volkswagen GTI insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2001 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 Find Low Cost Volkswagen GTI Insurance

Finding cheaper rates on Volkswagen GTI insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

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

• High-risk drivers who have several accidents or serious violations pay an average of $1,060 more every year for GTI insurance
• Teens are expensive to insure, as much as $315 each month if they have full coverage
• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $225 each year
• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date

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.