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 with full coverage. Comprehensive insurance costs approximately $132 each year, collision costs $188, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage 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 by individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and GTI models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

More Rate Details

The chart below details estimated Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $563
• Using higher $1,000 deductibles will save $74 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $920
• Selecting low deductibles for physical damage coverage will cost an extra $140 a year
• Drivers with serious driving violations could pay around $1,984 or more
• The price for full coverage for a teen driver can cost $3,778 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen GTI insurance rates. A driver around age 40 might see prices as low as $670 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,250 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 each year, whereas increasing liability limits will push prices upward. Moving 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 may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the prices may be quite different from one company to the next.

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 Low Cost Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance requires avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a review of the material that was covered in the charts and tables above.

• Drivers who purchase higher liability limits will pay approximately $490 every year to increase from a low limit to 250/500 limits
• Teenagers are expensive to insure, costing up to $315 a month for full coverage
• High-risk drivers who have several accidents or serious violations pay on average $1,060 more per year 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.