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 rates for a Volkswagen GTI are $920 a year including full coverage. Comprehensive costs around $132, collision costs $188, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,984. 16-year-old drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different GTI trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on rate 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 best full coverage rate is $563
• Choosing higher $1,000 deductibles can save about $74 every year
• The estimated price for the average middle-age driver using $500 deductibles is $920
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,060
• Higher-risk drivers with multiple tickets or accidents could pay at least $1,984 or more
• The price that insures a 16-year-old driver with full coverage can be $3,778 each year

View Chart as Image

Auto insurance prices for a Volkswagen GTI are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,100 to $1,600 in extra premium each year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,320 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $220 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices may be quite 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 Find Cheap Volkswagen GTI Insurance

Getting lower rates on insurance for a Volkswagen GTI takes being safe and accident-free, maintaining a good credit score, being claim-free, and maximizing policy discounts. Comparison shop at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,060 more every year than a low-risk driver
• You may be able to save up to $100 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $225 each year
• Insureds who may need more liability protection will pay around $490 per year to raise limits from a low limit to the 250/500 level

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.