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.

Average insurance rates for a Volkswagen GTI are $920 a year including full coverage. Comprehensive costs around $132, collision insurance costs $188, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs around $1,984. 16-year-old drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.

These examples highlight why everyone should compare prices for a specific zip code and risk profile, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save about $74 every year
• The average rate for a 40-year-old driver using $500 deductibles is $920
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,060
• Drivers with multiple tickets or accidents could pay at least $1,984
• The cost for full coverage for a teen driver for full coverage can be $3,778 or more

View Chart as Image

Insurance rates for a Volkswagen GTI can also vary considerably based on your driver profile, the model of your GTI, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

Where you live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see rates 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 cut rates by as much as $220 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,100 to $1,600 additional per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can be as much as 42% to 133% more than the average rate. 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 Best Cheap Volkswagen GTI Insurance

Saving money on car insurance requires being a good driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a quick review of the ideas that were touched on in this article.

• Drivers age 16 to 20 are charged the highest rates, as much as $315 per month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,060 more every year than a safer driver
• Increasing deductibles can save around $225 each year
• You may be able to save up to $100 per year just by quoting online well ahead of the renewal date

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.