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.

Average auto insurance rates for a Volkswagen GTI are $920 annually for full coverage insurance. Comprehensive insurance costs an estimated $132, collision insurance costs $188, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $1,984 or more. Teenage drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

These examples illustrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay approximately $74 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $920
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $140 annually
• Drivers who are prone to accidents and violations could pay up to $1,984
• The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $3,778 a year

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Insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your risk profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,100 to $1,600 additional per year, depending on your age. Volkswagen GTI insurance for high-risk drivers can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $220 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volkswagen GTI insurance prices. A 40-year-old driver could pay as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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 Buy Low Cost Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,060 more annually to insure a Volkswagen GTI
• Drivers under the age of 20 are expensive to insure, costing up to $315 per month if they have full coverage
• It is possible to save approximately $100 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $225 each year
• It is possible to save approximately $100 per year just by quoting online well ahead of the renewal date

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.