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 for full coverage insurance. Comprehensive costs approximately $132 a year, collision insurance costs $188, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance 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 by type of insurance:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location and risk profile, instead of using average rates.

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

Additional Charts and Tables

The chart below illustrates average Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay $846 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $920
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,060
• Higher-risk drivers who are prone to accidents and violations could pay around $1,984
• Policy cost for full coverage for a teen driver can cost $3,778 a year

View Chart as Image

Auto insurance rates for a Volkswagen GTI also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver 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 could save up to $220 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

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 Affordable Volkswagen GTI Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and possibly higher deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the information touched on above.

• It is possible to save around $100 per year just by quoting early and online
• Teens have the highest car insurance rates, possibly costing $315 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $225 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,060 more per year for GTI insurance
• Policyholders who purchase higher liability limits will pay an extra $490 annually to go from a 30/60 limit to 250/500 limits

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.