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 including full coverage. Comprehensive insurance costs on average $132 a year, collision costs $188, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $1,984 or more. Teen drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and GTI trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

The ranges above highlight why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $563
• Drivers who choose higher $1,000 deductibles will pay around $846 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $920
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $140 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,984 or more
• The price with full coverage for a teen driver may cost $3,778 a year

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $220 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. 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 $710 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the prices may be quite 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 Cheap Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and bundling your home and auto policies. Invest the time to shop around at least every other year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the car insurance concepts illustrated above.

• High-risk drivers that tend to have accidents or serious violations pay on average $1,060 more each year than a driver with a clean driving record
• You may be able to save as much as $100 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $225 each year
• Drivers who require additional liability coverage will pay about $490 per year to go from a low 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.