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

Average premium for full coverage: $920

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

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

These rate differences illustrate why everyone should get quotes using their specific location and their own driving history, rather than using averaged prices.

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 cheapest rate after discounts is $563
• Choosing higher $1,000 deductibles can save $74 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $920
• Selecting pricier low deductibles for comp and collision coverage costs an extra $140 each year
• Drivers with serious driving violations could pay around $1,984 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $3,778 each year

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Auto insurance prices for a Volkswagen GTI also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your GTI.

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $3,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 in extra premium annually, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, and quoted prices 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 the Best Volkswagen GTI Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to shop around at every other renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below is a brief recap of the concepts that were illustrated above.

• Drivers who tend to receive serious violations may have to pay on average $1,060 more per year for auto insurance
• Teenage drivers have the highest car insurance prices, with premiums being up to $315 per month if comprehensive and collision insurance is included
• It is possible to save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $225 each year
• It is possible to save around $100 per year simply by quoting online well ahead of the renewal date

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.