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 auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive insurance costs an estimated $132, collision insurance costs $188, and liability insurance is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs $1,984 or more. Teenage drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all GTI models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $563
• Raising to $1,000 deductibles will save approximately $74 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $920
• Using pricier low deductibles costs an additional $140 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,984
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $3,778

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

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,100 to $1,600 in extra premium every year, depending on your age. Volkswagen GTI insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $220 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,320 on average in Louisiana, New York, and Michigan.

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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 cheaper rates on Volkswagen GTI insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $100 per year just by quoting online well ahead of the renewal date
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,060 more annually for GTI insurance
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Teens are the costliest to insure, with premiums being up to $315 each month if full coverage is included

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.