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 insurance rates for a Volkswagen GTI are $920 a year for full coverage. Comprehensive costs approximately $132, collision insurance costs $188, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $1,984. Teenage drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using average rates.

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

More Rate Information

The chart below shows average Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save $74 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $920
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,060
• Unlucky drivers who are prone to accidents and violations could pay around $1,984
• Policy cost for full coverage for a teen driver with full coverage can cost $3,778 each year

View Chart as Image

Car insurance rates for a Volkswagen GTI also range considerably based on your risk profile, the trim level of your GTI, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

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 $610 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,320 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $220 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

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 Cheap Volkswagen GTI Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the data touched on above.

• Policyholders who purchase additional liability coverage will pay an extra $490 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers can save around $100 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $315 each 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.