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.

Estimated insurance prices for a Volkswagen GTI are $920 every 12 months with full coverage. Comprehensive costs an estimated $132 a year, collision costs $188, and liability coverage costs around $442. A policy with only liability insurance costs as low as $496 a year, with a high-risk policy costing around $1,984. Teen drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and their own driving history, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save approximately $846 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $920
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,060
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,984 or more
• An auto insurance policy to insure a teenage driver can cost as much as $3,778 or more

View Chart as Image

Car insurance prices for a Volkswagen GTI also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $220 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $3,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Volkswagen GTI insurance rates. A driver around age 40 might see prices as low as $670 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,250 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be substantially 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 Shop for Low Cost Volkswagen GTI Insurance

Finding better rates on auto insurance requires being a good driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Set aside time to shop around at every other renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a review of the concepts that were raised in the charts and tables above.

• Drivers who have several accidents or serious violations may pay on average $1,060 more annually than a safer driver
• Drivers age 16 to 20 have the highest car insurance prices, possibly costing $315 per month if the policy includes full coverage
• You may be able to save approximately $100 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $225 each year
• You may be able to save approximately $100 per year simply by quoting early and online

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.