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 insurance rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive insurance costs an estimated $132, collision insurance costs $188, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $1,984 or more. Teenage 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:

Price estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These examples illustrate why everyone should get quotes for a targeted area, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save approximately $74 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $920
• Using pricier low deductibles for comp and collision coverage will cost an additional $140 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,984
• The cost that insures a 16-year-old driver for full coverage can cost as much as $3,778 each year

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on the model of your GTI, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,100 to $1,600 extra per year, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $3,700 a year. View Rates by Age

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 $600 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $220 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $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 Cheaper Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI takes not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a condensed summary of the data that was touched on above.

• It is possible to save approximately $100 per year just by quoting online well ahead of the renewal date
• Insureds who want higher liability limits will pay an extra $490 annually to raise limits from a minimum limit to the 250/500 level
• Teens have the highest car insurance rates, costing up to $315 per month if full coverage is purchased
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,060 more annually for GTI 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.