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 rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive insurance costs on average $132, collision insurance costs $188, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs $1,984 or more. 16-year-old drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates by type of coverage:

Prices are based on $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities. The example below illustrates how rural and urban location affects car insurance rates.

These rate differences illustrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates average Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save around $74 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $920
• Buying pricier low deductibles for physical damage coverage will cost an extra $140 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,984
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $3,778 or more

View Chart as Image

Car insurance prices for a Volkswagen GTI also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see prices as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $220 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 extra annually, depending on your age. Volkswagen GTI insurance for high-risk drivers can be from 42% to 133% more than the average rate. View High Risk Driver Rates

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 Affordable Volkswagen GTI Insurance

Finding better rates on insurance for a Volkswagen GTI requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a brief review of the data that was raised in the charts and tables above.

• It is possible to save as much as $100 per year just by quoting online well ahead of the renewal date
• Insureds who require higher liability limits will pay around $490 annually to increase from 30/60 bodily injury limits to 250/500 limits
• Teens are expensive to insure, with premiums being up to $315 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,060 more each year for GTI 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.

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.