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 for full coverage insurance. Comprehensive costs an estimated $132 each year, collision insurance costs $188, and liability insurance is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,984. 16-year-old drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates broken down by individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

These examples illustrate why all drivers should compare rates quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below illustrates average Volkswagen GTI insurance rates for other coverage scenarios.

• The best full coverage rate is $563
• Raising to $1,000 deductibles will save approximately $74 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $920
• Buying low deductibles bumps up the cost to $1,060
• Higher-risk drivers with multiple tickets or accidents could pay up to $1,984
• The cost that insures a teen driver can cost as much as $3,778

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $3,700 a year. View Rates by Age

Where you live also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $220 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Best Cheap Volkswagen GTI Insurance

Saving money on Volkswagen GTI insurance consists of being safe and accident-free, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a quick review of the material that was touched on in the above illustrations.

• Drivers who want more liability protection will pay around $490 annually to raise from a minimum limit to the 250/500 level
• Youthful drivers have the highest car insurance rates, costing up to $315 per month if full coverage is purchased
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,060 more annually than a low-risk driver
• Increasing deductibles can save approximately $225 each year

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.