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 auto insurance rates for a Volkswagen GTI are $920 annually for full coverage. Comprehensive insurance costs approximately $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. Teens pay the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance prices.

The ranges above show why everyone should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay $74 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $920
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $140 a year
• High risk drivers with serious driving violations could pay around $1,984
• The price with full coverage for a teen driver for full coverage can cost $3,778 a year

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Car insurance prices for a Volkswagen GTI are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,100 to $1,600 extra each 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

Choosing higher comprehensive and collision insurance deductibles could save up to $220 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury 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

The state you live in 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 Iowa, Maine, and Idaho, or have to pay at least $1,320 on average in New York, Louisiana, and Michigan.

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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 Affordable Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the material that was touched on above.

• Drivers who purchase more liability protection will pay approximately $490 each year to go from a low limit to higher 250/500 limits
• Youthful drivers pay the highest auto insurance prices, with premiums as much as $315 a month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions pay on average $1,060 more per year than a low-risk driver
• Increasing physical damage deductibles could save up to $225 each year

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.