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.

Estimated insurance rates for a Volkswagen GTI are $920 a year for full coverage insurance. Comprehensive insurance costs an estimated $132, collision insurance costs $188, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $1,984 or more. Teenage drivers pay the most at up to $3,778 a year.

Average premium for full coverage: $920

Premium estimates broken down by type of coverage:

Prices include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different GTI trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a targeted area, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $563
• Using higher $1,000 deductibles will save approximately $74 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $920
• Using more expensive low deductibles for physical damage coverage will cost an additional $140 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,984
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $3,778 or more

View Chart as Image

Insurance prices for a Volkswagen GTI also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,100 to $1,600 additional annually, depending on your age. High-risk driver insurance can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $3,700 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen GTI insurance rates. A driver around age 40 might see prices as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,250 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $220 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

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 the Right Volkswagen GTI Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below is a quick rundown of the data that was covered in the above illustrations.

• It is possible to save approximately $100 per year just by shopping early and online
• Consumers who want higher levels of liability will pay an extra $490 annually to increase from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are expensive to insure, with premiums being up to $315 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,060 more annually for auto insurance

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.