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 for full coverage. Comprehensive insurance costs an estimated $132 a year, collision insurance costs $188, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $1,984 or more. 16-year-old drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The diagram below illustrates how location helps determine insurance prices.

These examples show why it is important to get quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

The chart below shows average Volkswagen GTI insurance rates for other coverage scenarios.

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save approximately $846 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $920
• Buying low $100 deductibles for comp and collision coverage costs an additional $140 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $1,984
• The cost with full coverage for a teen driver can cost as much as $3,778 each year

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

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $220 every year, while buying higher liability limits will increase premiums. Going 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 plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay as low as $610 a year in states like Iowa, Maine, and Idaho, or at least $1,320 on average in New York, Louisiana, and Michigan.

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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 Affordable Volkswagen GTI Insurance

Saving money on car insurance takes being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief review of the data covered in the charts and tables above.

• Policyholders who want higher levels of liability will pay around $490 each year to raise limits from a minimum limit to higher 250/500 limits
• Drivers can save approximately $100 per year just by quoting early and online
• Increasing deductibles could save up to $225 each year
• Teenage drivers are charged the highest rates, costing as high as $315 per month including comprehensive and collision 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.