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 rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive insurance costs around $132 a year, collision costs $188, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $1,984 or more. 16-year-old drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates for type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $563
• Drivers who choose higher $1,000 deductibles will pay about $846 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $920
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $140 a year
• High risk drivers with multiple tickets or accidents could pay at least $1,984 or more
• An auto insurance policy that insures a teen driver can be $3,778 a year

View Chart as Image

Auto insurance prices for a Volkswagen GTI also have a wide range based on the trim level of your GTI, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could save up to $220 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted 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 Find the Best Volkswagen GTI Insurance

Finding better rates on Volkswagen GTI insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every other policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the ideas that were covered in the above illustrations.

• Teenage drivers are expensive to insure, with premiums being up to $315 per month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,060 more every year for auto insurance
• Increasing policy deductibles can save approximately $225 each year
• It is possible to save up to $100 per year simply 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.