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 approximately $132 a year, collision costs $188, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $1,984. Teens pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates by individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and GTI trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below details estimated Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay $846 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $920
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,060
• Higher-risk drivers with serious driving violations could pay around $1,984 or more
• The price for full coverage for a teen driver can cost $3,778 a year

View Chart as Image

Car insurance prices for a Volkswagen GTI are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver could pay as low as $670 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,250 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $220 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 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

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every company calculates prices differently, so rate quotes 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 the Right Volkswagen GTI Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to compare rates every couple of years by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a quick rundown of the material that was covered above.

• Policyholders who purchase more liability protection will pay approximately $490 every year to go from a low limit to 250/500 limits
• Youthful drivers pay the highest auto insurance prices, costing up to $315 a month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,060 more per year than a low-risk driver
• Increasing physical damage deductibles can save around $225 each year

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.