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.

The average insurance rates for a Volkswagen GTI are $920 a year with full coverage. Comprehensive insurance costs around $132, collision insurance costs $188, and liability coverage costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $1,984 or more. 16-year-old drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all GTI models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save about $74 annually
• The estimated price for a good driver age 40 using $500 deductibles is $920
• Buying pricier low deductibles for physical damage coverage will cost an additional $140 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $1,984
• Policy cost that insures a teenage driver for full coverage can be $3,778 or more

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on the model of your GTI, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,100 to $1,600 extra every year, depending on your age. Volkswagen GTI insurance for high-risk drivers can be around 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $3,700 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $220 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

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 Affordable Volkswagen GTI Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Comparison shop once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was raised in the charts and tables above.

• You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
• Consumers who may need more liability protection will pay around $490 every year to increase from a 30/60 limit to the 250/500 level
• Youthful drivers pay higher rates, as much as $315 each month if full coverage is included
• Drivers with DUI or reckless driving convictions may pay on average $1,060 more every year than a low-risk driver

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.