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 prices for a Volkswagen GTI are $920 every 12 months with full coverage. Comprehensive insurance costs on average $132 a year, collision costs $188, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,984 or more. Teens pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and GTI trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Information

The chart below details estimated Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $563
• Using higher $1,000 deductibles will save around $846 annually
• The average price for the average middle-age driver with $500 deductibles is $920
• Selecting low $100 deductibles for physical damage coverage costs an extra $140 every year
• Drivers with serious driving violations could pay upwards of $1,984 or more
• The price to insure a teen driver may cost $3,778 or more

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your GTI.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see prices as low as $670 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company calculates prices differently, 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 Shop for Affordable Volkswagen GTI Insurance

Getting lower rates on car insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the ideas that were presented in the illustrations above.

• Teen drivers pay higher prices, costing up to $315 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,060 more each year to insure their GTI
• Increasing physical damage deductibles could save as much as $225 each year
• You may be able to save as much as $100 per year simply 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.