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 auto insurance rates for a Volkswagen GTI are $920 annually for full coverage. Comprehensive insurance costs an estimated $132 a year, collision costs $188, and liability coverage is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $1,984 or more. Teens pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and GTI trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

The chart below shows estimated Volkswagen GTI insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save approximately $846 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $920
• Selecting low $100 deductibles costs an additional $140 each year
• Unlucky drivers with serious driving violations could pay up to $1,984 or more
• The price with full coverage for a teenage driver can cost as much as $3,778

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $220 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and prices may be quite 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

Getting lower rates on auto insurance consists of being a good driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the material that was raised in the charts and tables above.

• Consumers who want an increased level of liability coverage will pay approximately $490 each year to raise from a low limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $315 a month if they have full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,060 more annually than a safer driver
• Increasing physical damage deductibles could save up to $225 each year

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.