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 costs approximately $132 each year, collision costs $188, and liability is $442. A policy with only liability insurance costs around $496 a year, with a high-risk policy costing around $1,984. Teens pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates by type of coverage:

Includes $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

These rate differences show why all drivers should compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below shows estimated Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save $74 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $920
• Selecting low deductibles will increase the cost to $1,060
• At-risk drivers with serious driving violations could pay around $1,984 or more
• An auto insurance policy for full coverage for a teen driver can cost $3,778

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

Where you choose to live also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find prices 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 reduce prices by up to $220 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company calculates prices differently, so rate quotes will be substantially different from one company to the next.

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 Cheapest Volkswagen GTI Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the information covered in the charts and tables above.

• Drivers can save around $100 per year simply by quoting online in advance
• Teens pay the highest auto insurance prices, as much as $315 per month if full coverage is included
• Increasing policy deductibles can save around $225 each year
• Higher risk drivers that have major violations or accidents may pay on average $1,060 more per year for GTI insurance
• Policyholders who purchase higher liability limits will pay approximately $490 each year to raise from 30/60 bodily injury limits to 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.