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 with full coverage. Comprehensive insurance costs an estimated $132, collision costs $188, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,984 or more. Teen drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates broken down by individual coverage type:

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how your location can change insurance prices.

These examples demonstrate why everyone should compare prices for a targeted area and risk profile, instead of using 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
• Using higher $1,000 deductibles will save approximately $74 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $920
• Choosing pricier low deductibles for physical damage coverage will cost an extra $140 every year
• Drivers with multiple violations and an at-fault accident could pay up to $1,984 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $3,778 or more

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $3,700 a year. View Rates by Age

Where you live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see rates 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 could cut rates by as much as $220 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,100 to $1,600 extra per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the 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 More Affordable Volkswagen GTI Insurance

Saving money on car insurance requires being a safe and courteous driver, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a summary of the ideas that were illustrated above.

• Teenage drivers are charged the highest rates, with premiums as much as $315 per month for full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,060 more annually for auto insurance
• Increasing deductibles can save around $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.