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 auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive costs on average $132, collision costs $188, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $1,984. Teens receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

These examples highlight why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay around $74 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $920
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,060
• High risk drivers with serious driving violations could pay upwards of $1,984 or more
• The cost with full coverage for a teen driver for full coverage may cost $3,778 a year

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $220 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volkswagen GTI insurance rates. 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

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different between companies.

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

Saving money on Volkswagen GTI insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a condensed summary of the data that was presented in the illustrations above.

• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
• Drivers who require increased liability limits will pay approximately $490 per year to go from a minimum limit to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $315 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay on average $1,060 more each year to insure a Volkswagen GTI

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.