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 auto insurance rates for a Volkswagen GTI are $920 annually for full coverage insurance. Comprehensive costs around $132 a year, collision insurance costs $188, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,984. Teenage drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates for type of coverage:

Rates are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured 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

Your location has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below illustrates average Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay about $846 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $920
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,060
• High-risk insureds who are prone to accidents and violations could pay at least $1,984
• An auto insurance policy with full coverage for a teenage driver can be $3,778 a year

View Chart as Image

Auto insurance prices for a Volkswagen GTI also have a wide range based on the model of your GTI, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $3,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $220 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

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 Cheap Volkswagen GTI Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting rates from direct insurance companies, and also from several local insurance agents.

The following is a quick review of the material that was covered above.

• Consumers who may need higher liability limits will pay an extra $490 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• Teens are expensive to insure, with premiums being up to $315 per month if full coverage is included
• Drivers with a DUI or reckless driving violation pay on average $1,060 more every year for GTI insurance
• Increasing policy deductibles could save up to $225 each year

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.