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 prices for a Volkswagen GTI are $920 every 12 months including full coverage. Comprehensive costs an estimated $132, collision insurance costs $188, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $1,984. 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:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.

The ranges above highlight why everyone should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $563
• Drivers who choose higher $1,000 deductibles will pay approximately $74 every year
• The average price for the average middle-age driver who has $500 deductibles is $920
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,060
• High-risk insureds with serious driving violations could pay up to $1,984
• The price to insure a teenage driver for full coverage can cost as much as $3,778 a year

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Auto insurance prices for a Volkswagen GTI are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $220 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,100 to $1,600 in extra premium each year, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,320 on average in Louisiana, New York, and Michigan.

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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 Cheap Volkswagen GTI Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit score, being claim-free, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief summary of the data touched on in this article.

• Consumers who want more liability protection will pay approximately $490 per year to go from a low limit to a 250/500 level
• You may be able to save approximately $100 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $225 each year
• Youthful drivers are the costliest to insure, possibly costing $315 a month if comprehensive and collision insurance is included

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.