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.

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

Average premium for full coverage: $920

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different GTI trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates 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.

Detailed Rate Analysis

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

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay around $74 every year
• The average rate for the average middle-age driver with $500 deductibles is $920
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $140 annually
• Drivers with serious driving violations could pay upwards of $1,984 or more
• The price for full coverage for a 16-year-old driver with full coverage may cost $3,778 a year

View Chart as Image

Car insurance prices for a Volkswagen GTI are also quite variable based on your driving record, the model of your GTI, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age

The state you live in 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 have to pay at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $220 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Every company calculates prices differently, so rate quotes may be quite 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 Low Cost Volkswagen GTI Insurance

Getting lower rates on insurance for a Volkswagen GTI not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a review of the ideas that were presented in the illustrations above.

• Teenage drivers are expensive to insure, possibly costing $315 a month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,060 more each year for auto insurance
• Increasing physical damage deductibles can save around $225 each year
• You may be able to save as much as $100 per year simply by shopping 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.