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 for full coverage insurance. Comprehensive costs an estimated $132 a year, 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 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 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $563
• Raising to $1,000 deductibles will save approximately $846 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $920
• Choosing low $100 deductibles increases the price to $1,060
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,984 or more
• An auto insurance policy to insure a teen driver can cost as much as $3,778

View Chart as Image

Insurance prices for a Volkswagen GTI also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $220 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared 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 are probably paying $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find prices as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and 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 Volkswagen GTI insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a review of the concepts that were covered above.

• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,060 more annually than a safer driver
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $315 per month if full coverage is included
• It is possible to save approximately $100 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $225 each year
• It is possible to save approximately $100 per year simply by quoting early and online

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.