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 including full coverage. Comprehensive costs approximately $132 a year, collision insurance costs $188, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs around $1,984. Teen drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and risk profile, rather than using price averages.

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

Additional Rate Information

The chart below breaks down average Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save $846 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $920
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,060
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,984
• The cost for full coverage for a teenage driver can cost $3,778 or more

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on your driver profile, the model of your GTI, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

Where you live has a huge impact on Volkswagen GTI insurance rates. A driver around age 40 might see rates 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 cut rates by as much as $220 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than average. View High Risk Driver Rates

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 Affordable Volkswagen GTI Insurance

Saving money on auto insurance requires having a good driving record, having above-average credit, not filing small claims, and attention to physical damage deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The next list is a brief review of the data touched on above.

• Consumers who purchase increased levels of liability coverage will pay about $490 per year to increase from a minimum limit to 250/500 limits
• You may be able to save around $100 per year just by quoting early and online
• Increasing deductibles can save around $225 each year
• Drivers age 20 and younger pay the highest auto insurance rates, as much as $315 per month if full coverage is included

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.