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 prices for a Volkswagen GTI are $920 every 12 months with full coverage. Comprehensive costs an estimated $132 each year, collision insurance costs $188, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $1,984. Teens pay the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and GTI models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why all drivers should compare prices 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 details average Volkswagen GTI insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $563
• Using higher $1,000 deductibles will save approximately $74 annually
• The average price for the average middle-age driver who has $500 deductibles is $920
• Selecting low deductibles for physical damage coverage increases the price to $1,060
• High-risk insureds with serious driving violations could pay up to $1,984
• The price to insure a 16-year-old driver can cost as much as $3,778 or more

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,100 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers can be from 42% to 133% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Volkswagen GTI insurance prices. A driver around age 40 might see prices as low as $670 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,250 on average in New York, Michigan, and Florida.

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 Cheaper Volkswagen GTI Insurance

Getting lower rates on insurance for a Volkswagen GTI requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $100 per year just by quoting online in advance
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,060 more annually for car insurance
• Increasing physical damage deductibles could save as much as $225 each year
• Teenagers are expensive to insure, costing up to $315 a 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.