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 for full coverage insurance. Comprehensive insurance costs around $132, 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. 16-year-old drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.

The price range example below illustrates how where you live affects auto insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

The chart below illustrates estimated Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save about $74 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $920
• Buying more expensive low deductibles for comp and collision coverage costs an additional $140 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $1,984 or more
• The cost with full coverage for a teen driver with full coverage can be $3,778 each year

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Car insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your risk profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $220 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 at least $1,250 on average in Michigan, New York, and Florida.

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With so much variability in rates, the only way to figure out your exact price is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes 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 Cheap Volkswagen GTI Insurance

Saving money on car insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief summary of the data that was touched on in the above illustrations.

• It is possible to save up to $100 per year simply by shopping early and online
• Policyholders who may need more liability protection will pay around $490 annually to raise limits from a minimum limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, costing up to $315 per month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,060 more every year than a low-risk driver

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.