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 costs on average $132 a year, collision costs $188, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing around $1,984. 16-year-old drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities.

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

These examples highlight why it is important to compare prices based on a specific location, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save around $846 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $920
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,060
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,984 or more
• The cost that insures a 16-year-old driver may cost $3,778 or more

View Chart as Image

Insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can be from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,700 a year. View Rates by Age

Where you live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $220 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and rates can be significantly different.

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 Cheap Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI requires being a good driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief summary of the concepts that were presented in the illustrations above.

• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,060 more each year than a safer driver
• Drivers age 16 to 20 pay higher rates, as much as $315 per month if comprehensive and collision insurance is included
• You may be able to save as much as $100 per year simply by quoting early and online
• Increasing deductibles can save approximately $225 each year
• You may be able to save as much as $100 per year simply by quoting early and online

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.