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.

Estimated insurance prices for a Volkswagen GTI are $920 every 12 months including full coverage. Comprehensive insurance costs on average $132, collision costs $188, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $1,984 or more. Teenage drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why everyone should compare rates based on a specific location and their own driving history, instead of using average rates.

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 different risk profiles and scenarios.

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay around $74 every year
• The average price for a 40-year-old good driver with $500 deductibles is $920
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $140 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,984 or more
• An auto insurance policy to insure a teen driver for full coverage may cost $3,778 a year

View Chart as Image

Insurance prices for a Volkswagen GTI also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your GTI.

Using high physical damage deductibles could save up to $220 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,100 to $1,600 additional annually, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver 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

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices will be substantially different.

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 Shop for Affordable Volkswagen GTI Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a brief review of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger pay higher prices, with the cost nearing $315 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,060 more each year to buy Volkswagen GTI insurance
• Increasing policy deductibles could save as much as $225 each year
• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date

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.