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 prices for a Volkswagen GTI are $920 every 12 months for full coverage insurance. Comprehensive insurance costs on average $132 each year, collision costs $188, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance 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:

Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

These examples illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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 different risk profiles and scenarios.

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

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $220 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates 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

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.

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 Shop for More Affordable Volkswagen GTI Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a summary of the ideas that were touched on in the above illustrations.

• Teens pay the highest rates, costing up to $315 per month if they have full coverage
• Drivers who have multiple accidents or major violations pay on average $1,060 more each year for GTI insurance
• Increasing deductibles could save as much as $225 each year
• It is possible to save as much as $100 per year simply by quoting online in advance

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.