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 auto insurance rates for a Volkswagen GTI are $920 annually for full coverage insurance. Comprehensive insurance costs approximately $132, collision costs $188, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,984 or more. Teen drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.

The example below illustrates how your location can change auto insurance prices.

These examples illustrate why everyone should compare prices using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save $74 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $920
• Choosing pricier low deductibles for physical damage coverage costs an additional $140 every year
• Drivers with multiple violations and an at-fault accident could pay around $1,984 or more
• The cost with full coverage for a teen driver for full coverage can cost $3,778 or more

View Chart as Image

Auto insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $220 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates can be significantly 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 the Best Cheap Volkswagen GTI Insurance

Saving money on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a quick review of the information illustrated above.

• It is possible to save around $100 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $315 per month if full coverage is included
• Increasing deductibles could save up to $225 each year
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,060 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay about $490 annually to increase from a minimum 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.