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 costs on average $132 each year, collision costs $188, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $1,984. Teens cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and GTI models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save around $74 each year
• The estimated price for a good driver age 40 with $500 deductibles is $920
• Selecting low deductibles bumps up the cost to $1,060
• Higher-risk drivers with serious driving violations could pay upwards of $1,984 or more
• Policy cost that insures a teen driver may cost $3,778

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $3,700 a year. View Rates by Age

Your home state also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied.

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 Cheaper Volkswagen GTI Insurance

Finding cheaper rates on Volkswagen GTI insurance consists of being a low-risk driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare rates at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a condensed summary of the data raised in the charts and tables above.

• Drivers who require more liability coverage will pay approximately $490 annually to raise from a 30/60 limit to the 250/500 level
• It is possible to save as much as $100 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Teen drivers pay higher rates, possibly costing $315 each 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.