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. Comprehensive insurance costs on average $132, collision costs $188, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $1,984 or more. Teens receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

These examples show why everyone should compare rates based on a specific location, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay around $74 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $920
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $140 a year
• High risk drivers with serious driving violations could pay upwards of $1,984 or more
• The cost that insures a teen driver for full coverage may cost $3,778 a year

View Chart as Image

Auto insurance rates for a Volkswagen GTI can also vary considerably based on the model of your GTI, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,100 to $1,600 in extra premium per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $3,700 a year. View Rates by Age

Where you live makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay as low as $610 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,320 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $220 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly 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 More Affordable Volkswagen GTI Insurance

Saving money on Volkswagen GTI insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Compare rates at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the concepts that were raised in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,060 more each year for car insurance
• Teenagers are charged the highest rates, costing as high as $315 per month if the policy includes full coverage
• Drivers can save as much as $100 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $225 each year
• Drivers can save as much as $100 per year simply by quoting online well ahead of the renewal date

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.