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 insurance prices for a Volkswagen GTI are $920 every 12 months with full coverage. Comprehensive insurance costs an estimated $132 each year, collision costs $188, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $1,984 or more. 16-year-old drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.

The graphic below illustrates how where you live affects insurance prices.

These rate differences demonstrate why all drivers should get quotes for a targeted area and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below details estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save approximately $74 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $920
• Buying low deductibles for comp and collision coverage costs an extra $140 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $1,984 or more
• An auto insurance policy to insure a teen driver can cost as much as $3,778 each year

View Chart as Image

Auto insurance prices for a Volkswagen GTI also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $220 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,100 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Utah, Ohio, and New Hampshire, or at least $1,250 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.

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 Shop for Low Cost Volkswagen GTI Insurance

Finding better rates on car insurance takes being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a review of the data that was touched on in the above illustrations.

• You may be able to save approximately $100 per year simply by quoting online in advance
• Policyholders who want more liability coverage will pay around $490 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are the costliest to insure, possibly costing $315 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,060 more annually to insure their GTI

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.