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 costs around $132, collision insurance costs $188, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,984. Teenage 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:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details average 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 estimated price for a good driver age 40 using $500 deductibles is $920
• Using more expensive low deductibles bumps up the cost to $1,060
• Drivers who are prone to accidents and violations could pay at least $1,984
• Policy cost that insures a 16-year-old driver with full coverage can be $3,778

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on the model year and trim level, 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 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $3,700 a year. View Rates by Age

Your home state also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find rates 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 rates by up to $220 annually, while increasing your policy's liability limits 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 each 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 More Affordable Volkswagen GTI Insurance

Finding cheaper rates on insurance for a Volkswagen GTI consists of avoiding accidents and claims, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at every policy renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a summary of the data raised in the charts and tables above.

• Insureds who may need increased liability limits will pay an extra $490 every year to raise from a 30/60 limit to the 250/500 level
• You may be able to save up to $100 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers under the age of 20 are charged the highest rates, as much as $315 each month if comprehensive and collision insurance is included

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.