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

Average premium for full coverage: $920

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

The ranges above demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save around $74 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $920
• Selecting pricier low deductibles costs an additional $140 every year
• At-risk drivers with serious driving violations could pay upwards of $1,984 or more
• The price with full coverage for a teen driver for full coverage may cost $3,778

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,600 extra each year, depending on your age. Volkswagen GTI insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $220 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find prices as low as $670 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,250 on average in Florida, Michigan, and New York.

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Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, so the 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 the Best Cheap Volkswagen GTI Insurance

Getting lower rates on car insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a quick review of the car insurance concepts illustrated above.

• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,060 more each year than a safer driver
• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $225 each year
• Policyholders who require an increased level of liability coverage will pay approximately $490 every year to raise from a low limit to higher 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.