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 with full coverage. Comprehensive insurance costs approximately $132 each year, collision costs $188, and liability insurance is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $1,984 or more. Teenage drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below details estimated Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save $74 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $920
• Using low deductibles for comp and collision coverage costs an additional $140 a year
• High-risk insureds who are prone to accidents and violations could pay around $1,984 or more
• The cost with full coverage for a teen driver can cost $3,778 each year

View Chart as Image

Insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $220 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $670 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,250 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and 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 Best Volkswagen GTI Insurance

Saving money on Volkswagen GTI insurance takes being safe and accident-free, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the information covered above.

• You may be able to save around $100 per year simply by quoting online in advance
• Youthful drivers are the costliest to insure, with premiums as much as $315 per month if they have full coverage
• Increasing deductibles could save up to $225 each year
• High-risk drivers who tend to receive serious violations may pay on average $1,060 more per year than a low-risk driver
• Drivers who purchase more liability protection will pay an extra $490 every year to raise limits from a minimum limit to higher 250/500 limits

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.