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.

The average insurance rates for a Volkswagen GTI are $920 a year for full coverage. Comprehensive insurance costs an estimated $132 each year, collision costs $188, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,984 or more. Teens cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates broken down by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and GTI models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

The examples above show why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below shows estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $563
• Using higher $1,000 deductibles will save approximately $74 a year
• The average rate for a good driver age 40 who has $500 deductibles is $920
• Selecting low deductibles for physical damage coverage will cost an extra $140 annually
• High-risk insureds with serious driving violations could pay up to $1,984 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $3,778 or more

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on your risk profile, the trim level of your GTI, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $3,700 a year. View Rates by Age

Your home state has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see rates as low as $610 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,320 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $220 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can be from 42% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, so the rates will be varied 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 Cheap Volkswagen GTI Insurance

Finding cheaper rates on insurance for a Volkswagen GTI requires being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,060 more annually for auto insurance
• Drivers can save approximately $100 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $225 each year
• Insureds who want higher levels of liability will pay approximately $490 each year to increase from a 30/60 limit to 250/500 limits

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.