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 including full coverage. Comprehensive costs around $132, collision insurance costs $188, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $1,984. Teenage drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates for type of insurance:

Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all GTI models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

The examples above highlight why everyone should get quotes for a specific zip code, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down average Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save about $74 every year
• The estimated price for a good driver age 40 using $500 deductibles is $920
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,060
• High-risk insureds who are prone to accidents and violations could pay at least $1,984
• Policy cost that insures a teen driver for full coverage can be $3,778 each year

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on the model of your GTI, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,100 to $1,600 extra every year, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $3,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $220 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

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 Low Cost Volkswagen GTI Insurance

Finding cheaper rates on Volkswagen GTI insurance takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices at least every other year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a review of the car insurance concepts touched on in this article.

• High-risk drivers who have several accidents or serious violations may have to pay on average $1,060 more every year for auto insurance
• You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers who may need higher levels of liability will pay an extra $490 per year to raise limits from a 30/60 limit to the 250/500 level

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.