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.

Average insurance rates for a Volkswagen GTI are $920 a year with full coverage. Comprehensive costs on average $132 a year, collision insurance costs $188, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $1,984. Teenage drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why it is important to compare rates quotes based on a 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 Information

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

• The best discount rate is $563
• Raising to $1,000 deductibles will save around $846 annually
• The average rate for a 40-year-old driver with $500 deductibles is $920
• Using low $100 deductibles will increase the cost to $1,060
• Drivers who are prone to accidents and violations could pay upwards of $1,984
• The cost for full coverage for a 16-year-old driver may cost $3,778

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

Where you live also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find rates as low as $670 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $220 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and 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 the Cheapest Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI consists of being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by getting rate quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The items below are a recap of the material that was raised in the charts and tables above.

• Insureds who require more liability coverage will pay an extra $490 every year to raise from a minimum limit to 250/500 limits
• Teen drivers pay higher rates, with premiums as much as $315 per month including comprehensive and collision insurance
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,060 more each year to insure their GTI
• Increasing 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.