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.

U.S. average insurance rates for a Volkswagen GTI are $920 a year for full coverage. Comprehensive insurance costs an estimated $132, collision costs $188, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $1,984 or more. Teen drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates broken down by individual coverage:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different GTI trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates for a targeted area, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $563
• Drivers who choose higher $1,000 deductibles will pay approximately $74 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $920
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $140 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,984 or more
• The price that insures a teen driver with full coverage can cost as much as $3,778 a year

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,700 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver could pay as low as $610 a year in states like Iowa, Maine, and Idaho, or as much as $1,320 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $220 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite different.

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 Cheap Volkswagen GTI Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Shop around once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a brief summary of the data that was covered above.

• Drivers can save approximately $100 per year simply by shopping early and online
• Policyholders who want increased levels of liability coverage will pay about $490 each year to go from a low limit to the 250/500 level
• Drivers age 20 and younger are charged the highest prices, with premiums as much as $315 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,060 more annually to buy Volkswagen GTI insurance

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.