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. Comprehensive insurance costs approximately $132 a year, 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. 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:

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance prices.

These examples show why it is important to compare rates quotes 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.

More Rate Details

The chart below shows estimated Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $563
• Raising to $1,000 deductibles will save $846 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $920
• Choosing low $100 deductibles costs an additional $140 annually
• Drivers 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 can cost $3,778

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared 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 could be paying anywhere from $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $220 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find rates as low as $610 a year in states like Iowa, Maine, and Idaho, or as much as $1,320 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and 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 the Right Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI consists of being a low-risk driver, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The items below are a quick rundown of the primary concepts that were touched on in this article.

• Drivers can save around $100 per year simply by quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,060 more per year to insure their GTI
• Increasing deductibles could save up to $225 each year
• Teen drivers are the costliest to insure, costing as high as $315 per month if they have full coverage

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.