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 prices for a Volkswagen GTI are $920 every 12 months including full coverage. Comprehensive insurance costs an estimated $132 a year, collision costs $188, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $1,984 or more. Teen drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

These examples highlight why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

The chart below breaks down estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The lowest rate with discounts is $563
• Choosing higher $1,000 deductibles can save approximately $846 every year
• The average price for a 40-year-old driver who has $500 deductibles is $920
• Choosing low $100 deductibles for comp and collision coverage costs an extra $140 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,984 or more
• The cost to insure a 16-year-old driver 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 policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can save as much as $220 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than average. View High Risk Driver Rates

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 $710 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different.

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 Shop for Cheaper Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI takes having a good driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a condensed summary of the coverage data presented in the illustrations above.

• You may be able to save approximately $100 per year simply by quoting early and online
• Increasing deductibles could save as much as $225 each year
• Drivers age 20 and younger have the highest car insurance rates, as much as $315 per month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,060 more annually to buy Volkswagen 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.