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. Comprehensive insurance costs on average $132, collision costs $188, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $1,984 or more. Teenage drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $563
• Raising to $1,000 deductibles will save around $74 a year
• The average rate for a 40-year-old driver with $500 deductibles is $920
• Using more expensive low deductibles will cost an extra $140 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,984 or more
• The cost for full coverage for a teen driver with full coverage may cost $3,778

View Chart as Image

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

An older driver with no driving violations and high deductibles could pay as little as $900 every 12 months on average 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 also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates as low as $610 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,320 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $220 each year, while increasing your policy's liability limits will cost you more. Going 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 could be paying at a minimum $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, 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 the Best Cheap Volkswagen GTI Insurance

Saving money on Volkswagen GTI insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following list is a quick review of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation will pay on average $1,060 more each year than a safer driver
• Drivers can save as much as $100 per year simply by shopping early and online
• Increasing deductibles can save around $225 each year
• Drivers who require an increased level of liability coverage will pay an extra $490 each year to raise from a minimum limit to 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.