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 including full coverage. Comprehensive costs an estimated $132 a year, collision costs $188, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,984. Teens cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical 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 significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay approximately $846 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $920
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,060
• High risk drivers with serious driving violations could pay up to $1,984 or more
• Policy cost with full coverage for a teen driver can cost as much as $3,778 a year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $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 are likely paying $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy 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, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 Vermont, New Hampshire, and Missouri, or have to pay at least $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, so rate quotes will be varied 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 Affordable Volkswagen GTI Insurance

Finding cheaper rates on Volkswagen GTI insurance not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the data covered above.

• Drivers who want higher liability limits will pay approximately $490 per year to go from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Teenagers have the highest car insurance rates, with premiums being up to $315 each month if comprehensive and collision insurance 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.