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 including full coverage. Comprehensive insurance costs approximately $132 a year, collision costs $188, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $1,984 or more. Teenage drivers cost the most to insure at $3,778 a year or more.

Average premium for full coverage: $920

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and GTI trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Volkswagen GTI insurance rates for additional coverage and risk scenarios.

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save $846 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $920
• Using low $100 deductibles for comp and collision coverage costs an additional $140 a year
• High-risk insureds who are prone to accidents and violations could pay around $1,984 or more
• Policy cost with full coverage for a teen driver can cost $3,778 each year

View Chart as Image

Car insurance rates for a Volkswagen GTI also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little 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 will be charged in the ballpark of $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 likely paying anywhere from $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $220 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2002 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 Cheapest Volkswagen GTI Insurance

Finding cheaper rates on Volkswagen GTI insurance takes having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Spend time shopping around once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a recap of the data that was touched on above.

• You may be able to save around $100 per year simply by quoting early and online
• Drivers who purchase additional liability coverage will pay an extra $490 per year to raise limits from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums being up to $315 each month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may have to pay on average $1,060 more per year than a driver with a clean driving record

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.