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 including full coverage. Comprehensive costs approximately $132, collision insurance costs $188, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $1,984. Teenage drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

These rate differences highlight why everyone should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down average Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay $74 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $920
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,060
• Drivers who are prone to accidents and violations could pay around $1,984
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost $3,778 a year

View Chart as Image

Insurance prices for a Volkswagen GTI also have a wide range based on your driving characteristics, the model of your GTI, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

Where you choose to live makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $220 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 extra annually, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost from 42% to 133% more than a normal policy. 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 Low Cost Volkswagen GTI Insurance

Finding better rates on insurance for a Volkswagen GTI not only requires being a safe and courteous driver, but also maintaining good credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a review of the material that was illustrated above.

• Insureds who purchase higher levels of liability will pay an extra $490 per year to go from 30/60 bodily injury limits to 250/500 limits
• Teenage drivers are expensive to insure, with the cost nearing $315 per month for full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,060 more per year for auto insurance
• Increasing policy deductibles can save around $225 each year

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.