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 prices for a Volkswagen GTI are $920 every 12 months for full coverage insurance. Comprehensive costs an estimated $132 a year, collision insurance costs $188, and liability coverage costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,984. 16-year-old drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The diagram below illustrates how your location can change insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and their own driving history, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save approximately $846 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $920
• Buying low $100 deductibles for physical damage coverage increases the price to $1,060
• Higher-risk drivers with multiple tickets or accidents could pay up to $1,984
• An auto insurance policy to insure a teenage driver can cost as much as $3,778 or more

View Chart as Image

Auto insurance prices for a Volkswagen GTI also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

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

Older drivers with a good driving record and higher deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age

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

Where you choose to live has a huge impact on Volkswagen GTI insurance rates. A driver around age 40 might see prices as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for the Best Volkswagen GTI Insurance

Finding better rates on auto insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a brief recap of the information illustrated above.

• It is possible to save approximately $100 per year just by quoting early and online
• Teen drivers are the costliest to insure, with premiums being up to $315 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $225 each year
• Drivers who tend to receive serious violations could be forced to pay on average $1,060 more annually to insure their GTI
• Consumers who want more liability coverage will pay around $490 annually to increase from 30/60 bodily injury limits to a 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.