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 including full coverage. Comprehensive insurance costs around $132 each year, collision costs $188, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $1,984 or more. Teens receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates for individual coverage type:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance rates.

These examples highlight why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay about $74 every year
• The average rate for a 40-year-old driver using $500 deductibles is $920
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $140 annually
• Drivers with serious driving violations could pay at least $1,984 or more
• The cost for full coverage for a 16-year-old driver can be $3,778 a year

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on your driver profile, the model of your GTI, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $3,700 a year. View Rates by Age

Where you 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 Missouri, New Hampshire, and Vermont, or have to pay at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $220 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 Right Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below is a quick rundown of the coverage data touched on in this article.

• You may be able to save up to $100 per year simply by quoting online in advance
• Increasing deductibles can save around $225 each year
• Teenage drivers are the costliest to insure, as much as $315 per month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,060 more every year for auto 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.