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 prices for a Volkswagen GTI are $920 every 12 months including full coverage. Comprehensive insurance costs around $132, collision costs $188, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $1,984 or more. Teen drivers cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all GTI models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why everyone should compare prices for a specific zip code and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save about $74 every year
• The average price for a good driver age 40 using $500 deductibles is $920
• Choosing pricier low deductibles for physical damage coverage costs an extra $140 every year
• Drivers with multiple violations and an at-fault accident could pay at least $1,984 or more
• Policy cost to insure a teen driver for full coverage can be $3,778 or more

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $220 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by 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 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,100 to $1,600 additional every year, depending on your age. Volkswagen GTI insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates

Your home state 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 Missouri, New Hampshire, and Vermont, or as much as $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and rates will be varied.

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 Cheap Volkswagen GTI Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the data presented in the illustrations above.

• Policyholders who may need additional liability coverage will pay about $490 per year to increase from a 30/60 limit to a 250/500 level
• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $315 each month if full coverage is included

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.