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 including full coverage. Comprehensive insurance costs approximately $132, collision costs $188, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how your location can change auto insurance prices.

These examples highlight why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price 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 additional coverage and risk scenarios.

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save $74 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $920
• Choosing pricier low deductibles for physical damage coverage costs an additional $140 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $1,984 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $3,778 or more

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Insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,600 extra per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can be from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $220 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, so the rates 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 More Affordable Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI requires having a decent driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around at every policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following items are a summary of the data illustrated above.

• Insureds who purchase additional liability coverage will pay about $490 per year to increase from a minimum limit to higher 250/500 limits
• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $225 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $315 per month including comprehensive and collision insurance

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.