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.

The average insurance prices for a Volkswagen GTI are $920 every 12 months for full coverage. Comprehensive insurance costs approximately $132 a year, collision insurance costs $188, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $1,984 or more. Teens cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location and their own driving history, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save $846 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $920
• Selecting low $100 deductibles costs an extra $140 every year
• At-risk drivers with serious driving violations could pay around $1,984
• Policy cost to insure a teen driver can cost $3,778

View Chart as Image

Car insurance rates for a Volkswagen GTI also range considerably based on liability limits and deductibles, your driver profile, and the model of your GTI.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find rates 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

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 More Affordable Volkswagen GTI Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to comparison shop at every other renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a summary of the concepts that were touched on in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,060 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $315 each month if the policy includes full coverage
• Drivers can save around $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Drivers can save around $100 per year just by quoting early and online

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.