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 including full coverage. Comprehensive costs an estimated $132 a year, collision insurance costs $188, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,984. Teens receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below breaks down average Volkswagen GTI insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save approximately $846 every year
• The average price for a 40-year-old driver who has $500 deductibles is $920
• Selecting low $100 deductibles increases the price to $1,060
• Drivers with serious driving violations could pay up to $1,984
• The cost to insure a 16-year-old driver can cost as much as $3,778

View Chart as Image

Car insurance rates for a Volkswagen GTI can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Volkswagen GTI insurance prices. A middle-age driver might find rates as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,320 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 the Cheapest Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI consists of being a good driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Take the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a recap of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $100 per year just by quoting early and online
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,060 more annually than a safer driver
• Increasing deductibles could save as much as $225 each year
• Drivers age 16 to 20 have the highest car insurance rates, as much as $315 per month if the policy includes full coverage

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.