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

Average premium for full coverage: $920

Rate estimates by individual coverage type:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

These examples show why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay $846 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $920
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,060
• High-risk insureds with serious driving violations could pay around $1,984 or more
• The cost for full coverage for a teenage driver can cost $3,778 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

Where you live makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay 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 could save up to $220 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every company calculates rates differently, and rates can be significantly 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 Cheap Volkswagen GTI Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a brief summary of the information presented in the illustrations above.

• Drivers can save around $100 per year simply by quoting early and online
• Teens are the costliest to insure, costing as high as $315 per month including comprehensive and collision insurance
• Increasing deductibles can save around $225 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,060 more per year for GTI insurance
• Consumers who purchase higher liability limits will pay approximately $490 each year to go from a minimum limit 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.