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

Average premium for full coverage: $920

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

These examples illustrate why everyone should compare rates for a targeted area, rather than using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay approximately $74 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $920
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,060
• High-risk insureds with serious driving violations could pay up to $1,984 or more
• The cost that insures a teenage driver for full coverage can cost as much as $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, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,100 to $1,600 in extra premium per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost around 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 may only pay around $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 at least $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 $600 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $220 a year, whereas buying more liability protection will increase premiums. Switching 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 figure out which company is cheapest is to regularly compare rates and see how they stack up. 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 the Best Volkswagen GTI Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief recap of the material that was covered in the charts and tables above.

• Consumers who want higher levels of liability will pay approximately $490 annually to go from a minimum limit to the 250/500 level
• Teenage drivers are the costliest to insure, costing up to $315 per month if the policy includes full coverage
• Drivers who tend to receive serious violations may have to pay on average $1,060 more annually for auto insurance
• Increasing deductibles can save approximately $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.