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.

Estimated insurance rates for a Volkswagen GTI are $920 a year including full coverage. Comprehensive costs around $132 each year, collision insurance costs $188, and liability coverage is estimated at $442. A policy with only liability insurance costs approximately $496 a year, and a high-risk policy costs around $1,984. Teenage drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why all drivers should get quotes for a specific zip code, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save about $74 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $920
• Using low deductibles for comp and collision coverage bumps up the cost to $1,060
• Drivers who are prone to accidents and violations could pay at least $1,984
• An auto insurance policy that insures a teenage driver can be $3,778 each year

View Chart as Image

Car insurance prices for a Volkswagen GTI also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $3,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $220 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. 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 the Right Volkswagen GTI Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having a positive credit history, refrain from filing small claims, and consideration of higher deductibles. Compare prices at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

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

• Consumers who may need increased liability limits will pay an extra $490 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• You may be able to save up to $100 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $225 each year
• Drivers under the age of 20 are the costliest to insure, with the cost nearing $315 per month if full coverage is purchased

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.