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 with full coverage. Comprehensive costs around $132, collision costs $188, and liability coverage is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing around $1,984. Teenage drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates for individual coverage:

Prices are based on $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different GTI trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $563
• Raising to $1,000 deductibles will save about $74 annually
• The average rate for the average middle-age driver using $500 deductibles is $920
• Using more expensive low deductibles will increase the cost to $1,060
• Unlucky drivers who are prone to accidents and violations could pay at least $1,984 or more
• The price for full coverage for a teenage driver with full coverage can be $3,778

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,700 a year. View Rates by Age

The state you live in also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find prices as low as $670 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $220 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Affordable Volkswagen GTI Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a brief review of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $100 per year simply by shopping early and online
• Drivers with DUI or reckless driving convictions pay an average of $1,060 more every year for GTI insurance
• Increasing physical damage deductibles can save around $225 each year
• Teens pay higher prices, costing up to $315 a month for full coverage

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.