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 for full coverage. Comprehensive insurance costs an estimated $132 each year, collision insurance costs $188, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs $1,984 or more. Teens pay the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Price estimates broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and GTI models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.

The ranges above show why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save approximately $74 a year
• The average rate for the average middle-age driver who has $500 deductibles is $920
• Selecting low deductibles will cost an extra $140 annually
• Drivers with serious driving violations could pay up to $1,984
• The price for full coverage for a 16-year-old driver can cost as much as $3,778

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on your driving record, the trim level of your GTI, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $3,700 a year. View Rates by Age

The state you live in also has a big influence on Volkswagen GTI insurance prices. 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

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

If you have some driving violations or tend to cause accidents, you could be paying $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

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 Affordable Volkswagen GTI Insurance

Getting lower rates on insurance for a Volkswagen GTI consists of avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a brief review of the material that was presented in the illustrations above.

• Insureds who want higher liability limits will pay approximately $490 each year to raise from a low limit to 250/500 limits
• Teenagers are charged the highest prices, with premiums as much as $315 a month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,060 more annually for car insurance
• Increasing physical damage deductibles can save around $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.