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

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Includes $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

These examples illustrate why all drivers should get quotes based on a specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $563
• Choosing higher $1,000 deductibles can save around $74 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $920
• Choosing low deductibles for comp and collision coverage will cost an additional $140 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,984 or more
• The cost that insures a 16-year-old driver may cost $3,778 each year

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 133% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $3,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $220 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes can be significantly 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

Saving money on insurance for a Volkswagen GTI takes being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the material that was covered in the above illustrations.

• Insureds who require higher levels of liability will pay about $490 annually to raise limits from a minimum limit to the 250/500 level
• Teenage drivers are expensive to insure, costing up to $315 per month if full coverage is purchased
• Drivers considered higher risk that have major violations or accidents may pay on average $1,060 more each year for auto insurance
• Increasing deductibles can save approximately $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.