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 including full coverage. Comprehensive insurance costs around $132 a year, collision costs $188, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $1,984 or more. 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:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $563
• Drivers who choose higher $1,000 deductibles will pay about $846 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $920
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $140 annually
• Drivers with multiple tickets or accidents could pay at least $1,984 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $3,778 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $3,700 a year. View Rates by Age

Where you choose to live makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $220 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

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

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Every company utilizes a different rate formula, so the 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 Right Volkswagen GTI Insurance

Finding better rates on insurance for a Volkswagen GTI not only requires having a good driving record, but also maintaining good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,060 more every year to buy Volkswagen GTI insurance
• Drivers age 20 and younger pay higher prices, with the cost nearing $315 per month for full coverage
• You may be able to save up to $100 per year simply by quoting early and online
• Increasing policy deductibles can save around $225 each year
• You may be able to save up to $100 per year simply by quoting early and online

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.