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 insurance prices for a Volkswagen GTI are $920 every 12 months for full coverage insurance. Comprehensive insurance costs around $132, collision costs $188, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage 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 for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save about $74 each year
• The average price for a 40-year-old driver using $500 deductibles is $920
• Choosing more expensive low deductibles for physical damage coverage costs an extra $140 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,984 or more
• The cost to insure a teenage driver with full coverage can be $3,778 or more

View Chart as Image

Insurance rates for a Volkswagen GTI can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $220 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance can be around 42% to 133% more than average. View High Risk Driver Rates

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

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly 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

Saving money on auto insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the coverage data covered in the charts and tables above.

• It is possible to save up to $100 per year simply by shopping early and online
• Increasing deductibles could save as much as $225 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $315 per month if full coverage is included
• Drivers who tend to receive serious violations may pay on average $1,060 more every year to insure a Volkswagen GTI

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.