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 rates for a Volkswagen GTI are $920 a year for full coverage. Comprehensive insurance costs an estimated $132 each year, collision insurance costs $188, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs $1,984 or more. Teens pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences show why all drivers should get quotes for a targeted area and risk profile, instead of using 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 other coverage scenarios.

• The cheapest rate after discounts is $563
• Choosing higher $1,000 deductibles can save approximately $74 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $920
• Selecting low deductibles for comp and collision coverage will cost an extra $140 every year
• Unlucky drivers with serious driving violations could pay up to $1,984
• An auto insurance policy for full coverage for a teen driver can cost as much as $3,778 each year

View Chart as Image

Insurance prices for a Volkswagen GTI also have a wide range based on your driving characteristics, the trim level of your GTI, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $3,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 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.

View Chart as Image

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

If you have a few violations or tend to cause accidents, you could be paying $1,100 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than the average policy. View High Risk Driver Rates

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 Cheap Volkswagen GTI Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are expensive to insure, as much as $315 per month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,060 more annually to insure a Volkswagen GTI
• Increasing policy deductibles can save around $225 each year
• Drivers can save approximately $100 per year just by quoting online in advance

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.