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 auto insurance rates for a Volkswagen GTI are $920 annually for full coverage insurance. Comprehensive insurance costs around $132, collision costs $188, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $1,984 or more. Teens cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all GTI models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Volkswagen GTI insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $563
• Choosing higher $1,000 deductibles can save about $74 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $920
• Selecting pricier low deductibles for comp and collision coverage costs an additional $140 annually
• Higher-risk drivers with serious driving violations could pay at least $1,984 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $3,778 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,100 to $1,600 additional every year, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay 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

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and rates will be varied 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 the Best Volkswagen GTI Insurance

Finding cheaper rates on insurance for a Volkswagen GTI takes having a decent driving record, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who tend to receive serious violations pay on average $1,060 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $315 each month if they have full coverage
• It is possible to save up to $100 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $225 each year
• It is possible to save up to $100 per year simply by quoting online well ahead of the renewal date

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.