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 prices for a Volkswagen GTI are $920 every 12 months for full coverage insurance. Comprehensive costs around $132 each year, collision insurance costs $188, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $1,984. Teens receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates for individual coverage type:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

These examples illustrate why all drivers should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates average Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $563
• Choosing higher $1,000 deductibles can save about $74 each year
• The average price for a 40-year-old driver using $500 deductibles is $920
• Selecting low deductibles for comp and collision coverage increases the price to $1,060
• Drivers with serious driving violations could pay at least $1,984
• The cost to insure a teenage driver can be $3,778 each year

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

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 $600 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for Low Cost Volkswagen GTI Insurance

Saving money on auto insurance takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the data touched on in this article.

• Consumers who may need more liability coverage will pay approximately $490 annually to raise limits from a minimum limit to a 250/500 level
• It is possible to save up to $100 per year just by quoting online in advance
• Increasing deductibles could save as much as $225 each year
• Teen drivers are the costliest to insure, costing up to $315 per month if the policy includes full coverage

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.