Volkswagen GTI Insurance Rates

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 31, 2020

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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.

Average insurance rates for a Volkswagen GTI are $920 a year for full coverage. Comprehensive costs on average $132 a year, collision costs $188, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,984. Teen drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Comprehensive $132
Collision $188
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and GTI trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $1,984 for a high risk driver.

Liability Only $496
Full Coverage $920
High Risk $1,984

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $690
Small Cities $966
Large Cities $1,242

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

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

Insurance Rate Analysis

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

  • The lowest rate with discounts is $563
  • Drivers who choose higher $1,000 deductibles will pay around $846 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $920
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,060
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,984 or more
  • The cost for full coverage for a teen driver may cost $3,778 a year

View Chart as Image

Volkswagen GTI insurance cost comparison chart
Column chart showing full coverage Volkswagen GTI insurance rates range from $563 to $3,778

for a Volkswagen GTI can also vary considerably based on your driver profile, the trim level of your GTI, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,700 a year. View Rates by Age

Where you live makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay as low as $610 a year in states like Idaho, Maine, and Iowa, or as much as $1,320 on average in Michigan, Louisiana, and New York.

Volkswagen GTI Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $834 -$86 -9.3%
Alaska $708 -$212 -23.0%
Arizona $766 -$154 -16.7%
Arkansas $920 -$0 0.0%
California $1,048 $128 13.9%
Colorado $880 -$40 -4.3%
Connecticut $948 $28 3.0%
Delaware $1,042 $122 13.3%
Florida $1,154 $234 25.4%
Georgia $850 -$70 -7.6%
Hawaii $662 -$258 -28.0%
Idaho $624 -$296 -32.2%
Illinois $686 -$234 -25.4%
Indiana $694 -$226 -24.6%
Iowa $622 -$298 -32.4%
Kansas $876 -$44 -4.8%
Kentucky $1,256 $336 36.5%
Louisiana $1,364 $444 48.3%
Maine $568 -$352 -38.3%
Maryland $762 -$158 -17.2%
Massachusetts $738 -$182 -19.8%
Michigan $1,600 $680 73.9%
Minnesota $770 -$150 -16.3%
Mississippi $1,104 $184 20.0%
Missouri $818 -$102 -11.1%
Montana $990 $70 7.6%
Nebraska $726 -$194 -21.1%
Nevada $1,104 $184 20.0%
New Hampshire $664 -$256 -27.8%
New Jersey $1,030 $110 12.0%
New Mexico $816 -$104 -11.3%
New York $972 $52 5.7%
North Carolina $530 -$390 -42.4%
North Dakota $754 -$166 -18.0%
Ohio $638 -$282 -30.7%
Oklahoma $948 $28 3.0%
Oregon $844 -$76 -8.3%
Pennsylvania $880 -$40 -4.3%
Rhode Island $1,230 $310 33.7%
South Carolina $834 -$86 -9.3%
South Dakota $778 -$142 -15.4%
Tennessee $808 -$112 -12.2%
Texas $1,110 $190 20.7%
Utah $684 -$236 -25.7%
Vermont $630 -$290 -31.5%
Virginia $552 -$368 -40.0%
Washington $714 -$206 -22.4%
West Virginia $844 -$76 -8.3%
Wisconsin $638 -$282 -30.7%
Wyoming $822 -$98 -10.7%

View Chart as Image

Volkswagen GTI insurance rates by U.S. city

Choosing high deductibles could save up to $220 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Volkswagen GTI Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77

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.

Volkswagen GTI Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Volkswagen GTI $206 $382 $464 $1,210
2012 Volkswagen GTI $202 $356 $474 $1,190
2011 Volkswagen GTI $186 $330 $474 $1,148
2009 Volkswagen GTI $170 $274 $474 $1,076
2007 Volkswagen GTI $154 $224 $468 $1,004
2005 Volkswagen GTI $150 $208 $452 $968
2004 Volkswagen GTI $138 $198 $446 $940
2003 Volkswagen GTI $132 $188 $442 $920

Rates are averaged for all Volkswagen GTI models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Volkswagen GTI Insurance

Saving money on Volkswagen GTI insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $225 each year
  • Drivers can save as much as $100 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $315 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,060 more each year for insurance

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.

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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.

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.

Rates by Driver Age

Volkswagen GTI Insurance Rates by Driver Age
Driver Age Premium
16 $3,778
20 $2,118
30 $934
40 $920
50 $848
60 $830

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen GTI Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,060
$250 $996
$500 $920
$1,000 $846

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen GTI Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $920
50/100 $1,008
100/300 $1,119
250/500 $1,406
100 CSL $1,053
300 CSL $1,296
500 CSL $1,473

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen GTI Insurance Rates for High Risk Drivers
Age Premium
16 $5,306
20 $3,376
30 $1,996
40 $1,984
50 $1,900
60 $1,880

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 $123

Potential Rate Discounts

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

Discount Savings
Multi-policy $46
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $55
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $40
Online Quote $61
Total Discounts $357
Rate after discounts $563

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

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