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.

Estimated auto insurance rates for a Volkswagen GTI are $920 annually for full coverage. Comprehensive costs on average $132, collision insurance costs $188, and liability is $442. A policy with only liability insurance costs around $496 a year, and a high-risk policy costs around $1,984. 16-year-old drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates by type of coverage:

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Information

The chart below shows average Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $563
• Raising to $1,000 deductibles will save around $74 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $920
• Buying more expensive low deductibles will cost $1,060
• At-risk drivers with multiple tickets or accidents could pay upwards of $1,984
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $3,778

View Chart as Image

Car insurance prices for a Volkswagen GTI also have a wide range based on the model of your GTI, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $3,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,100 to $1,600 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $220 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find prices as low as $610 a year in states like Idaho, Maine, and Iowa, or at least $1,320 on average in Michigan, Louisiana, 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 Buy the Best Cheap Volkswagen GTI Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct carriers, and also from local insurance agents.

The next list is a quick review of the ideas that were covered above.

• Drivers age 20 and younger are expensive to insure, as much as $315 per month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,060 more each year to buy Volkswagen GTI insurance
• Increasing policy deductibles could save up to $225 each year
• Drivers can save as much as $100 per year just by shopping 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.