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 auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive insurance costs on average $132, collision costs $188, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $1,984 or more. 16-year-old drivers cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $563
• Drivers who choose higher $1,000 deductibles will pay around $74 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $920
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $140 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,984 or more
• Policy cost with full coverage for a teenage driver with full coverage may cost $3,778 a year

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $220 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied 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 Affordable Volkswagen GTI Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the concepts that were covered in the above illustrations.

• Drivers with DUI or reckless driving convictions pay on average $1,060 more each year than a low-risk driver
• Youthful drivers pay higher rates, with premiums being up to $315 each month if they have full coverage
• You may be able to save as much as $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $225 each year
• You may be able to save as much as $100 per year simply by shopping early and online

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.