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 auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive costs on average $132, collision costs $188, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,984. Teens receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine car insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional 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
• Using higher $1,000 deductibles will save around $74 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $920
• Selecting more expensive low deductibles for physical damage coverage will cost $1,060
• Drivers with serious driving violations could pay upwards of $1,984 or more
• The cost with full coverage for a teen driver with full coverage may cost $3,778 or more

View Chart as Image

Insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driving characteristics, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $220 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Volkswagen GTI insurance rates. A driver around age 40 might see rates 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

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates can be significantly different between companies.

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 Affordable Volkswagen GTI Insurance

Saving money on Volkswagen GTI insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and bundling your home and auto policies. Invest time comparing rates every couple of years by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief review of the material that was covered in the charts and tables above.

• Drivers who require higher liability limits will pay approximately $490 per year to increase from a minimum limit to higher 250/500 limits
• Teens pay the highest rates, as much as $315 per month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions pay on average $1,060 more each year for GTI insurance
• Increasing 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.