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.

The average auto insurance rates for a Volkswagen GTI are $920 annually with full coverage. Comprehensive costs on average $132 a year, 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 around $1,984. Teenage drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save around $846 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $920
• Using low $100 deductibles for comp and collision coverage will cost $1,060
• Unlucky drivers who are prone to accidents and violations could pay upwards of $1,984
• Policy cost with full coverage for a teen driver may cost $3,778 each year

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

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

Your home state 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 be forced to pay as much as $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

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 Buy Cheaper Volkswagen GTI Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having a good credit history, not filing small claims, and determing if full coverage is necessary. Spend time shopping around once a year by getting price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a condensed summary of the data that was touched on above.

• You may be able to save as much as $100 per year just by quoting early and online
• Policyholders who require higher levels of liability will pay an extra $490 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenage drivers pay the highest rates, as much as $315 each month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents pay an average of $1,060 more each 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.