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 rates for a Volkswagen GTI are $920 a year including full coverage. Comprehensive costs around $132 a year, collision costs $188, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $1,984. 16-year-old drivers cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and risk profile, rather than using rate averages.

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 additional coverage choices and driver risks.

• The best full coverage rate is $563
• Drivers who choose higher $1,000 deductibles will pay about $846 every year
• The average rate for a good driver age 40 using $500 deductibles is $920
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,060
• High-risk insureds with multiple tickets or accidents could pay at least $1,984 or more
• Policy cost for full coverage for a teenage driver can be $3,778 a year

View Chart as Image

Auto insurance rates for a Volkswagen GTI also range considerably based on your risk profile, the model of your GTI, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $3,700 a year. View Rates by Age

Your home state 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 at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $220 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 Cheaper Volkswagen GTI Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the concepts that were touched on in this article.

• Drivers with multiple at-fault accidents pay on average $1,060 more every year than a safer driver
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $315 each month if they have full coverage
• You may be able to save up to $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• You may be able to save up to $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.