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.

U.S. average insurance prices for a Volkswagen GTI are $920 every 12 months for full coverage insurance. Comprehensive costs around $132 a year, collision insurance costs $188, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $1,984. 16-year-old drivers pay the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Price estimates for individual coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and GTI trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The diagram below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

Additional Rate Information

The chart below illustrates average Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save about $846 each year
• The average price for the average middle-age driver using $500 deductibles is $920
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,060
• High-risk insureds with multiple tickets or accidents could pay at least $1,984
• The price to insure a teen driver can be $3,778 each year

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $220 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,250 on average in Michigan, New York, and Florida.

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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 the Right Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick rundown of the ideas that were presented in the illustrations above.

• Teenagers are charged the highest prices, as much as $315 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,060 more every year for car insurance
• Increasing physical damage deductibles could save as much as $225 each year
• It is possible to save up to $100 per year just by quoting 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.