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.

Estimated insurance rates for a Volkswagen GTI are $920 a year with full coverage. Comprehensive costs an estimated $132, collision costs $188, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $1,984. Teen drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why everyone should get quotes for a targeted area, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below details estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The lowest rate with discounts is $563
• Choosing higher $1,000 deductibles can save approximately $74 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $920
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,060
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,984 or more
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $3,778 each year

View Chart as Image

Auto insurance prices for a Volkswagen GTI also have a wide range based on the model of your GTI, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,100 to $1,600 in extra premium annually, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges from 42% to 133% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $3,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,250 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $220 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially 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 Cheap Volkswagen GTI Insurance

Finding better rates on insurance for a Volkswagen GTI takes being a low-risk driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Shop around every other policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

The items below are a brief summary of the ideas that were covered above.

• Teen drivers are the costliest to insure, possibly costing $315 per month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,060 more annually to insure their GTI
• Increasing policy deductibles can save approximately $225 each year
• You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date

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.