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.

The average insurance rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive insurance costs around $132, collision insurance costs $188, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $1,984 or more. Teen drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $563
• Choosing higher $1,000 deductibles can save about $74 each year
• The average rate for a good driver age 40 using $500 deductibles is $920
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $140 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,984
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $3,778 each year

View Chart as Image

Insurance rates for a Volkswagen GTI also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $3,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $220 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than average. 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

Finding cheaper rates on insurance for a Volkswagen GTI takes being a good driver, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the car insurance concepts illustrated above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,060 more every year than a safer driver
• It is possible to save up to $100 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Insureds who may need an increased level of liability coverage will pay about $490 annually to raise limits from a 30/60 limit to 250/500 limits

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.