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 auto insurance rates for a Volkswagen GTI are $920 annually for full coverage insurance. Comprehensive insurance costs on average $132, collision costs $188, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance 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:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different GTI trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have fewer physical damage claims than congested cities.

The price range example below illustrates how your location can change car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $563
• Drivers who choose higher $1,000 deductibles will pay around $74 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $920
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $140 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $1,984 or more
• The price with full coverage for a teen driver with full coverage may cost $3,778 a year

View Chart as Image

Car insurance prices for a Volkswagen GTI are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $220 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in 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 Vermont, Wisconsin, and North Carolina, or at least $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so rate quotes may be quite different between companies.

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 More Affordable Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a summary of the information illustrated above.

• It is possible to save as much as $100 per year simply by shopping early and online
• Drivers under the age of 20 are expensive to insure, as much as $315 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $225 each year
• High-risk drivers who have multiple accidents or major violations may pay on average $1,060 more each year to insure a Volkswagen GTI
• Drivers who require increased liability limits will pay around $490 annually to go from a low limit to higher 250/500 limits

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.