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 rates for a Volkswagen GTI are $920 a year for full coverage. Comprehensive insurance costs on average $132 each year, collision costs $188, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing $1,984 or more. 16-year-old drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and GTI models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than congested cities.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $563
• Using higher $1,000 deductibles will save around $74 a year
• The estimated price for the average middle-age driver with $500 deductibles is $920
• Buying low deductibles for physical damage coverage will cost an additional $140 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,984 or more
• The price that insures a teenage driver may cost $3,778 or more

View Chart as Image

Insurance prices for a Volkswagen GTI are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,700 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen GTI insurance rates. A driver around age 40 might see prices as low as $610 a year in states like Idaho, Maine, and Iowa, or at least $1,320 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $220 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different.

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 Best Cheap Volkswagen GTI Insurance

Getting lower rates on auto insurance requires being a good driver, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Comparison shop at least once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a quick review of the primary concepts that were covered in the charts and tables above.

• Drivers can save as much as $100 per year simply by quoting online in advance
• Drivers with a DUI or reckless driving violation may pay on average $1,060 more each year than a safer driver
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers age 16 to 20 pay the highest prices, with premiums as much as $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.