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.

U.S. average insurance prices for a Volkswagen GTI are $920 every 12 months with full coverage. Comprehensive insurance costs on average $132, collision costs $188, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $1,984 or more. 16-year-old drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than congested cities.

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

The ranges above demonstrate why everyone should get quotes based on a specific location and their own driving history, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $563
• Choosing higher $1,000 deductibles can save around $74 annually
• The average price for the average middle-age driver with $500 deductibles is $920
• Buying pricier low deductibles for comp and collision coverage costs an extra $140 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,984 or more
• The price to insure a teen driver for full coverage may cost $3,778 each year

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Insurance prices for a Volkswagen GTI are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your GTI.

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

A more mature driver with no violations or accidents and higher deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 additional each year, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $670 a year in states like New Hampshire, Ohio, and Utah, or at least $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices may be quite different.

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 the Best Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the data raised in the charts and tables above.

• Drivers who require higher liability limits will pay around $490 every year to raise limits from a low limit to a 250/500 level
• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $225 each year
• Teenagers pay higher prices, costing up to $315 a 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.