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 auto insurance rates for a Volkswagen GTI are $920 annually including full coverage. Comprehensive costs approximately $132 each year, collision insurance costs $188, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,984. Teenage drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and GTI models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

These examples highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay $74 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $920
• Using low deductibles for comprehensive and collision insurance will cost $1,060
• High-risk insureds who are prone to accidents and violations could pay around $1,984
• The cost with full coverage for a teenage driver can cost $3,778 a year

View Chart as Image

Insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $220 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volkswagen GTI insurance rates. A 40-year-old driver 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

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 Buy Affordable Volkswagen GTI Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The points below are a brief review of the information touched on in the above illustrations.

• You may be able to save around $100 per year just by quoting online in advance
• Drivers under the age of 20 are expensive to insure, as much as $315 per month including comprehensive and collision insurance
• Increasing deductibles could save up to $225 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,060 more per year to insure a Volkswagen GTI
• Consumers who purchase increased liability limits will pay an extra $490 per year to go from a minimum limit to higher 250/500 limits

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.