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 insurance rates for a Volkswagen GTI are $920 a year for full coverage. Comprehensive insurance costs on average $132 a year, collision costs $188, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $1,984 or more. Teens pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on car insurance rates.

These rate differences show why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $563
• Using higher $1,000 deductibles will save around $846 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $920
• Selecting low $100 deductibles for physical damage coverage will cost an extra $140 annually
• High-risk insureds with serious driving violations could pay upwards of $1,984 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $3,778 or more

View Chart as Image

Insurance prices for a Volkswagen GTI also have a wide range based on your driving characteristics, the trim level of your GTI, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

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 $610 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,320 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can be from 42% to 133% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.

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 the Best Volkswagen GTI Insurance

Finding better rates on insurance for a Volkswagen GTI requires being safe and accident-free, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

Below you'll find a brief recap of the data that was touched on in this article.

• Drivers can save as much as $100 per year simply by quoting early and online
• Insureds who require more liability protection will pay approximately $490 each year to increase from 30/60 bodily injury limits to 250/500 limits
• Youthful drivers pay higher prices, as much as $315 per month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations will pay on average $1,060 more each year than a low-risk driver

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.