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 auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive insurance costs approximately $132 each year, collision costs $188, and liability coverage is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $1,984 or more. Teen drivers 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 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and GTI models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

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

The ranges above highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Details

The chart below breaks down estimated Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $563
• Raising to $1,000 deductibles will save $74 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $920
• Choosing low deductibles costs an additional $140 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $1,984 or more
• The price with full coverage for a teenage driver can cost $3,778

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $220 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

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 $710 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and prices may be quite 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 Low Cost Volkswagen GTI Insurance

Getting lower rates on auto insurance consists of having a good driving record, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a review of the ideas that were raised in the charts and tables above.

• Drivers age 20 and younger are the costliest to insure, possibly costing $315 a month if they have full coverage
• Drivers who have several accidents or serious violations may have to pay on average $1,060 more per year to buy Volkswagen GTI insurance
• Increasing physical damage deductibles could save up to $225 each year
• You may be able to save around $100 per year simply by quoting online in advance

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.