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 auto insurance rates for a Volkswagen GTI are $920 annually for full coverage insurance. Comprehensive costs around $132 each year, collision costs $188, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $1,984. Teen drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates for individual coverage type:

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below illustrates estimated Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $563
• Drivers who choose higher $1,000 deductibles will pay about $74 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $920
• Choosing low deductibles for comprehensive and collision insurance will cost $1,060
• Drivers with multiple violations and an at-fault accident could pay at least $1,984 or more
• The cost with full coverage for a 16-year-old driver can be $3,778 a year

View Chart as Image

Auto insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,100 to $1,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $220 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.

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 Cheapest Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a recap of the concepts that were touched on in this article.

• Drivers considered higher risk that have major violations or accidents pay on average $1,060 more every year for auto insurance
• Teenage drivers are expensive to insure, costing up to $315 per month if full coverage is included
• It is possible to save up to $100 per year simply by quoting online in advance
• Increasing deductibles could save up to $225 each year
• It is possible to save up to $100 per year simply by quoting online in advance

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.