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 for full coverage. Comprehensive costs on average $132 a year, collision costs $188, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $1,984. Teen drivers receive the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and GTI trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

These examples show why it is important to get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Details

The chart below shows estimated Volkswagen GTI insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $563
• Choosing higher $1,000 deductibles can save around $846 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $920
• Choosing low $100 deductibles for comp and collision coverage will cost $1,060
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,984 or more
• The cost with full coverage for a 16-year-old driver may cost $3,778 each year

View Chart as Image

Auto insurance rates for a Volkswagen GTI can also vary considerably based on the trim level of your GTI, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,100 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $220 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Volkswagen GTI insurance prices. A good driver about age 40 could pay as low as $610 a year in states like Idaho, Maine, and Iowa, or as much as $1,320 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different between companies.

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 Cheaper Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to shop around every couple of years by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a condensed summary of the material that was illustrated above.

• Insureds who require higher liability limits will pay about $490 each year to raise limits from a minimum limit to higher 250/500 limits
• Teenagers are charged the highest rates, costing as high as $315 per month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,060 more each year for car insurance
• Increasing deductibles could save up to $225 each year

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.