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 including full coverage. Comprehensive insurance costs an estimated $132, collision insurance costs $188, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $1,984 or more. Teen drivers pay the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Price estimates broken down by individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different GTI trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below breaks down average 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 every 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 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $1,984
• The price that insures a teen driver with full coverage can cost as much as $3,778 a year

View Chart as Image

Car insurance prices for a Volkswagen GTI are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.

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

An older driver with no driving violations and higher comprehensive and collision deductibles could 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 will be charged at least $3,700 a year. View Rates by Age

The state you live in 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 as much as $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $220 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by 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 Low Cost Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance not only requires being a low-risk driver, but also having a positive credit history, being claim-free, and possibly higher deductibles. Shop around at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a review of the car insurance concepts touched on in the above illustrations.

• High-risk drivers who have several accidents or serious violations could be charged and average of $1,060 more annually to insure their GTI
• You may be able to save approximately $100 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers who want more liability coverage will pay about $490 per year to go from a low limit to the 250/500 level

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.