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 insurance. Comprehensive insurance costs an estimated $132, collision costs $188, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $1,984 or more. 16-year-old drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why everyone should compare prices for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save approximately $74 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $920
• Buying pricier low deductibles for physical damage coverage will cost an additional $140 annually
• High-risk insureds with multiple tickets or accidents could pay up to $1,984 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $3,778 or more

View Chart as Image

Car insurance prices for a Volkswagen GTI are also quite variable based on the model of your GTI, your age and driving record, and liability limits and deductibles.

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

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $3,700 a year. View Rates by Age

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 $600 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $220 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes 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 Cheaper Volkswagen GTI Insurance

Getting lower rates on insurance for a Volkswagen GTI requires avoiding accidents and claims, having a positive credit history, not filing small claims, and not having any coverage lapses. Comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a condensed summary of the information covered in the above illustrations.

• It is possible to save approximately $100 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 have the highest car insurance prices, as much as $315 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,060 more annually to insure a Volkswagen GTI
• Insureds who want increased liability limits will pay around $490 annually to increase 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.