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 insurance rates for a Volkswagen GTI are $920 a year with full coverage. Comprehensive insurance costs on average $132, collision costs $188, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $1,984 or more. Teens 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 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all GTI models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

These examples demonstrate why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $563
• Choosing higher $1,000 deductibles can save around $74 annually
• The average rate for a 40-year-old driver with $500 deductibles is $920
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $140 annually
• Higher-risk drivers with serious driving violations could pay upwards of $1,984 or more
• The cost for full coverage for a 16-year-old driver for full coverage may cost $3,778 each year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may pay as low as $900 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age

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 $670 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,250 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,100 to $1,600 extra per year, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges from 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 Cheaper Volkswagen GTI Insurance

Saving money on insurance for a Volkswagen GTI takes being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The following list is a condensed summary of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 are expensive to insure, with premiums as much 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 than a safer driver
• Increasing deductibles can save around $225 each year
• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date

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.