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 for full coverage. Comprehensive costs on average $132, collision costs $188, and liability coverage is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $1,984. Teen drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates by individual coverage:

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different GTI trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas.

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

The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $563
• Raising to $1,000 deductibles will save around $74 a year
• The estimated price for the average middle-age driver with $500 deductibles is $920
• Choosing more expensive low deductibles bumps up the cost to $1,060
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $1,984 or more
• The price that insures a teenage driver with full coverage may cost $3,778

View Chart as Image

Car insurance prices for a Volkswagen GTI are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $3,700 a year. View Rates by Age

The state you live in also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find prices as low as $610 a year in states like Idaho, Maine, and Iowa, or as much as $1,320 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $220 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection 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

Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different.

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 Cheapest Volkswagen GTI Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Shop around once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The following is a recap of the data that was presented in the illustrations above.

• Drivers can save as much as $100 per year simply by shopping early and online
• Consumers who require higher liability limits will pay about $490 each year to raise from a low limit to the 250/500 level
• Teens are expensive to insure, with premiums as much as $315 a month if full coverage is purchased
• Drivers that have major violations or accidents may pay on average $1,060 more each year for GTI insurance

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.