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 prices for a Volkswagen GTI are $920 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $132, collision insurance costs $188, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $1,984 or more. Teen drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why everyone should compare rates for a targeted area and their own driving history, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $563
• Drivers who choose higher $1,000 deductibles will pay approximately $74 each year
• The average price for a good driver age 40 who has $500 deductibles is $920
• Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $140 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $1,984
• Policy cost to insure a teenage driver for full coverage can cost as much as $3,778 a year

View Chart as Image

Auto insurance rates for a Volkswagen GTI also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles could save up to $220 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age

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

Your home state makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver could pay as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or 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 Shop for Cheaper Volkswagen GTI Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates every year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the coverage data covered in the above illustrations.

• It is possible to save approximately $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Teen drivers are the costliest to insure, possibly costing $315 each month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents could be forced to pay on average $1,060 more annually to insure their GTI

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.