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 insurance. Comprehensive costs an estimated $132 a year, collision insurance costs $188, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs around $1,984. Teen drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save approximately $846 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $920
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,060
• Drivers with multiple violations and an at-fault accident could pay up to $1,984
• An auto insurance policy for full coverage for a teen driver can cost as much as $3,778 or more

View Chart as Image

Car insurance prices for a Volkswagen GTI also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $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 $600 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $220 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than average. 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 the Right Volkswagen GTI Insurance

Finding better rates on car insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $100 per year just by quoting early and online
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,060 more annually than a safer driver
• Increasing policy deductibles can save around $225 each year
• Drivers age 16 to 20 have the highest car insurance prices, with premiums being up to $315 per 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.