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 insurance costs approximately $132, collision costs $188, and liability insurance is estimated at $442. Liability-only coverage costs approximately $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:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save $74 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $920
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $140 a year
• High-risk insureds with multiple tickets or accidents could pay around $1,984 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $3,778 each year

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on your risk profile, the model of your GTI, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $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 Vermont, New Hampshire, and Missouri, or at least $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates will be varied from one company to the next.

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 the Best Cheap Volkswagen GTI Insurance

Finding cheaper rates on Volkswagen GTI insurance takes avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a quick review of the information presented in the illustrations above.

• You may be able to save around $100 per year simply by shopping early and online
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $315 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $225 each year
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,060 more per year to insure a Volkswagen GTI
• Drivers who purchase increased liability limits will pay around $490 per year to raise limits from a 30/60 limit to 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.