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 auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive insurance costs around $132 each year, collision insurance costs $188, and liability coverage is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $1,984 or more. Teens receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

These examples highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

More Rate Information

The chart below breaks down average Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save about $74 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $920
• Selecting low deductibles costs an additional $140 each year
• Unlucky drivers with serious driving violations could pay at least $1,984
• The cost with full coverage for a teenage driver can be $3,778

View Chart as Image

Insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driving characteristics, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,320 on average in Michigan, New York, and Louisiana.

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 Buy More Affordable Volkswagen GTI Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a summary of the coverage data raised in the charts and tables above.

• You may be able to save up to $100 per year just by quoting online in advance
• Increasing deductibles could save up to $225 each year
• Teenagers pay higher rates, as much as $315 per month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may pay on average $1,060 more every year for car insurance

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.