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.

U.S. average insurance rates for a Volkswagen GTI are $920 a year with full coverage. Comprehensive insurance costs around $132, collision insurance costs $188, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $1,984 or more. 16-year-old drivers pay the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Price estimates for individual coverage:

Prices are based on $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why everyone should get quotes for a specific zip code, instead of using rate averages.

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

Additional Rate Details

The chart below details average Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save about $74 annually
• The estimated price for the average middle-age driver using $500 deductibles is $920
• Buying pricier low deductibles for comp and collision coverage will cost an additional $140 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $1,984
• The price that insures a teen driver for full coverage can be $3,778 each year

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Insurance prices for a Volkswagen GTI are also quite variable based on the model of your GTI, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,100 to $1,600 additional each year, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $3,700 a year. View Rates by Age

The state you live in 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 New Hampshire, Ohio, and Utah, or at least $1,250 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles can save as much as $220 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Volkswagen GTI Insurance

Getting lower rates on car insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief review of the material that was touched on in this article.

• Policyholders who may need increased levels of liability coverage will pay around $490 every year to raise limits from a low limit to the 250/500 level
• Drivers age 20 and younger are charged the highest prices, costing up to $315 a month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,060 more every year to buy Volkswagen GTI insurance
• Increasing physical damage deductibles can save approximately $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.