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 rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive costs around $132, collision insurance costs $188, and liability insurance is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $1,984. Teenage drivers pay the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Price estimates for individual coverage:

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all GTI models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates quotes for a specific zip code, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $563
• Raising to $1,000 deductibles will save about $74 each year
• The estimated price for the average middle-age driver using $500 deductibles is $920
• Using pricier low deductibles bumps up the cost to $1,060
• Higher-risk drivers who are prone to accidents and violations could pay at least $1,984
• The price that insures a teen driver for full coverage can be $3,778

View Chart as Image

Car insurance prices for a Volkswagen GTI are also quite variable based on the model of your GTI, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,100 to $1,600 extra each year, depending on your age. Volkswagen GTI insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $3,700 a year. View Rates by Age

The state you live in also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find prices as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,250 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $220 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection 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

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 Volkswagen GTI Insurance

Getting lower rates on Volkswagen GTI insurance consists of having a good driving record, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the car insurance concepts illustrated above.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,060 more every year to buy Volkswagen GTI insurance
• It is possible to save up to $100 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers who may need increased levels of liability coverage will pay an extra $490 annually to raise from a low limit to the 250/500 level

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.