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 prices for a Volkswagen GTI are $920 every 12 months for full coverage. Comprehensive insurance costs an estimated $132 each year, collision costs $188, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, with a high-risk policy costing $1,984 or more. Teenage drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and 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. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

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

These rate differences show why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

The chart below shows estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The best discount rate is $563
• Using higher $1,000 deductibles will save approximately $74 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $920
• Using low deductibles for physical damage coverage costs an extra $140 annually
• High-risk insureds who are prone to accidents and violations could pay up to $1,984 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $3,778 or more

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Car insurance prices for a Volkswagen GTI also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $220 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $3,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers can be from 42% to 133% more than a normal policy. View High Risk Driver Rates

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 $610 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,320 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

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 Shop for Affordable Volkswagen GTI Insurance

Finding better rates on insurance for a Volkswagen GTI requires being a low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.

The items below are a brief review of the information touched on in this article.

• Drivers can save approximately $100 per year simply by quoting online in advance
• Teen drivers have the highest car insurance prices, as much as $315 per month if the policy includes full coverage
• Increasing policy deductibles could save as much as $225 each year
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,060 more annually to insure their GTI
• Insureds who want more liability coverage will pay an extra $490 each year to increase from 30/60 bodily injury limits to a 250/500 level

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.