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 auto insurance rates for a Volkswagen GTI are $920 annually with full coverage. Comprehensive costs around $132, collision costs $188, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,984. 16-year-old drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates for type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save about $74 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $920
• Buying pricier low deductibles for physical damage coverage will cost $1,060
• High-risk insureds with multiple tickets or accidents could pay at least $1,984 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can be $3,778 or more

View Chart as Image

Auto insurance prices for a Volkswagen GTI also have a wide range based on the model of your GTI, your driving record, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $3,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,100 to $1,600 in extra premium annually, depending on your age. Volkswagen GTI insurance for high-risk drivers can be from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $220 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see prices as low as $670 a year in states like New Hampshire, Ohio, and Utah, or at least $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different between companies.

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 Buy the Best Volkswagen GTI Insurance

Finding better rates on insurance for a Volkswagen GTI requires being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at every other renewal by requesting quotes from direct companies, and also from local exclusive and independent agents.

The items below are a brief recap of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,060 more every year to insure their GTI
• Teen drivers are expensive to insure, possibly costing $315 per month if full coverage is included
• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $225 each year
• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date

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.