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 insurance rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive costs on average $132, collision costs $188, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $1,984. Teens receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $563
• Using higher $1,000 deductibles will save around $74 each year
• The average rate for a 40-year-old driver with $500 deductibles is $920
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,060
• High-risk insureds with serious driving violations could pay upwards of $1,984 or more
• The cost for full coverage for a 16-year-old driver with full coverage may cost $3,778 or more

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age

Where you live has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see 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 could cut rates by as much as $220 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can be from 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes can be significantly 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 More Affordable Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a summary of the primary concepts that were touched on in the above illustrations.

• It is possible to save as much as $100 per year simply by shopping early and online
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,060 more each year for GTI insurance
• Increasing deductibles can save around $225 each year
• Teens are expensive to insure, costing up to $315 per month if full coverage 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.