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 insurance prices for a Volkswagen GTI are $920 every 12 months with full coverage. Comprehensive insurance costs around $132, collision insurance costs $188, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $1,984 or more. Teenage drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates for type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all GTI models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and their own driving history, instead of using average rates.

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

More Rate Details

The chart below details average Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay about $74 annually
• The average price for a good driver age 40 using $500 deductibles is $920
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $140 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $1,984
• Policy cost to insure a teen driver for full coverage can be $3,778 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $220 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 additional every year, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver 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 Shop for Low Cost Volkswagen GTI Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The following list is a review of the data touched on above.

• Policyholders who may need an increased level of liability coverage will pay an extra $490 every year to go from a 30/60 limit to a 250/500 level
• You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Drivers age 16 to 20 are charged the highest rates, as much as $315 each month if full coverage is included

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.