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 rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive costs around $132 each year, collision costs $188, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,984. 16-year-old drivers pay the most at $3,778 a year or more.

Average premium for full coverage: $920

Premium estimates for type of coverage:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and GTI models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

These rate differences illustrate why all drivers should get quotes for a specific zip code and risk profile, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save about $74 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $920
• Buying low deductibles for comp and collision coverage will increase the cost to $1,060
• High-risk insureds with multiple tickets or accidents could pay at least $1,984 or more
• An auto insurance policy for full coverage for a teen driver can be $3,778 each year

View Chart as Image

Insurance prices for a Volkswagen GTI also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $3,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $220 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices will be substantially different from one company to the next.

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 Low Cost Volkswagen GTI Insurance

Finding better rates on Volkswagen GTI insurance takes being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around at least once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a review of the primary concepts that were touched on above.

• It is possible to save up to $100 per year simply by quoting online in advance
• High-risk drivers who have several accidents or serious violations may pay on average $1,060 more every year for auto insurance
• Increasing policy deductibles can save around $225 each year
• Teenage drivers pay higher prices, with premiums being up to $315 per month for full coverage

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.