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.

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

Average premium for full coverage: $920

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The example below illustrates how location impacts auto insurance prices.

The ranges above show why everyone should compare rates using their specific location, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $563
• Drivers who choose higher $1,000 deductibles will pay $74 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $920
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $140 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $1,984 or more
• The price that insures a teen driver for full coverage can cost $3,778 a year

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on the model of your GTI, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,100 to $1,600 additional each year, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

The state you live in 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 as much as $1,320 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $220 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, and prices may be quite 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 Find More Affordable Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at least every other year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following items are a summary of the car insurance concepts touched on above.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,060 more per year than a driver with a clean driving record
• Drivers can save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers who purchase additional liability coverage will pay about $490 each year to go from a low limit to the 250/500 level

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.