Considered the best-selling model of Volkswagen, the Golf GTI variant has been in the market for several generations. Observing the general trend, Volkswagen cars have insurance rates often lower than those of other cars that are more expensive to fix or replace. Even though the cars are valued more than usual, insurance rates don't go up due to their security and safety features.
Evolving over seven generations, the price of the Volkswagen Golf GTI starts at $29,880. Here we look at the different factors that determine Volkswagen Golf GTI car insurance costs, the cheapest insurance provider available for the models, the crash test ratings, and the discounts available on insurance for this hot-hatch from Volkswagen.
It costs around $1390 to insure a Volkswagen Golf GTI with full coverage. This hatchback from Volkswagen is among the affordable models to insure. The monthly rate for full coverage is $121.
Here is a list of general parameters that affect the car insurance cost of Volkswagen Golf GTI models. A teen driver driving a Volkswagen Golf GTI pays the highest insurance rates. However, if you opt for higher deductibles, there is an evident decrease in insurance costs.
| Parameter | Insurance Cost |
|---|---|
| Discount Rate | $819 |
| High Deductibles | $1199 |
| Low Deductibles | $1748 |
| High-Risk Driver | $2955 |
| Teen Driver | $5065 |
The low insurance rates of this Volkswagen hatchback are related to the different safety features associated with it. Comparing it to the other hatchbacks available in the market, we observe that it is slightly more expensive to insure than models like Volkswagen Beetle and Mitsubishi Mirage.
| Vehicle | Comprehensive | Collision | Liability |
|---|---|---|---|
| Volkswagen Beetle | $286 | $548 | $338 |
| Mitsubishi Mirage | $250 | $454 | $404 |
| Ford Focus RS | $338 | $662 | $404 |
| Honda Fit | $274 | $518 | $264 |
| Volkswagen Golf R | $378 | $666 | $396 |
| Volkswagen Golf | $312 | $606 | $396 |
Insurance companies determine the user's insurance premium by weighing driving and non-driving factors. As a result, it varies depending on the driver, the model, and the make of the car. Here, we examine the key elements that affect Volkswagen Golf GTI insurance rates.
Observing the different models of Volkswagen Golf GTI according to the year, we see the rate difference and how it decreases with older models. For example, insuring a 2014 Volkswagen Golf GTI model will cost $1390, while it will cost $1216 to insure a 2010 model.
| Model Year | Comprehensive | Collision | Liability |
|---|---|---|---|
| 2014 Volkswagen GTI | $256 | $530 | $458 |
| 2013 Volkswagen GTI | $246 | $500 | $460 |
| 2012 Volkswagen GTI | $236 | $448 | $466 |
| 2011 Volkswagen GTI | $220 | $413 | $466 |
| 2010 Volkswagen GTI | $212 | $388 | $470 |
Since age can classify you as a high-risk or low-risk driver, car insurance rates highly depend on the driver's age. For example, due to inexperience, teenage drivers will pay $5064 annually on average, while older drivers pay between $1451 and $1242.
Every insurance provider considers accident statistics, theft rates, and the neighborhood population to calculate the premium rates. Considering the location-wise insurance rates for a Volkswagen Golf GTI, we observe that cities like Newyork and Philadelphia have rates higher than the average insurance rate of this hatchback. At the same time, Columbus, Illinois, and Huston pay lower rates for the same model.
| City | Average Annual Premium |
|---|---|
| Indianapolis | $1182 |
| Seattle | $1348 |
| Phoenix | $1611 |
| Chicago | $1833 |
| Philadelphia | $1861 |
| Jacksonville | $2013 |
| Houston | $2175 |
| New York | $2193 |
| Los Angeles | $2373 |
| Columbus | $1155 |
Your motor vehicle record decides the price of your car insurance rates. For example, comparing the insurance rates of a Volkswagen Golf GTI, based on age and ticket violations, we observe that younger drivers with reckless driving infractions pay more than older drivers with the same record. However, irrespective of the age and the model of the Golf you own, a driving record with traffic tickets can spike your car insurance rates.
| Age | Speeding | Clean Record |
|---|---|---|
| 20 | $3420 | $3144 |
| 30 | $1578 | $1451 |
| 40 | $1512 | $1390 |
| 50 | $1379 | $1268 |
| 60 | $1351 | $1242 |
Apart from USAA, which offers insurance premiums to active military members, State Farm and Progressive offers affordable rates for most models. Here is a list of providers offering the best insurance rates for Golf GTI models based on the year of make.
| Company | Average Annual Insurance Rate |
|---|---|
| State Farm | $1154 |
| Progressive | $1026 |
| USAA | $990 |
| Nationwide | $1311 |
2017 Volkswagen Golf GTI
The average annual insurance rate of a 2017 Volkswagen Golf GTI is $1256. Progressive and Erie offer the cheapest insurance rates for 2017 models.
| Insurance Company | Average Annual Insurance Rate |
|---|---|
| Erie | $896 |
| USAA | $1061 |
| Texas Farm Bureau | $1019 |
| Plymouth Rock Insurance | $1161 |
| Progressive | $986 |
| State Farm | $1117 |
| Acuity | $1258 |
| Nationwide | $1292 |
| Allied | $1302 |
| American Family | $1280 |
2016 Volkswagen Golf GTI
It costs $1060 per year to insure a 2016 model of this hatchback. Erie and Progressive offer the cheapest rates at $771 and $756 among the insurance providers offering affordable rates for this model.
| Insurance Company | Average Annual Insurance Rate |
|---|---|
| Erie | $771 |
| USAA | $874 |
| Texas Farm Bureau | $935 |
| Tennesse Farmers | $1284 |
| Plymouth Rock Insurance | $1151 |
| Progressive | $756 |
| State Farm | $940 |
| Acuity | $1220 |
| Nationwide | $1126 |
2015 Volkswagen Golf GTI
The average annual insurance rate for a 2015 Volkswagen Golf GTI is $1007. Progressive and Texas Farm Bureau offer the cheapest rates for this hatchback.
| Insurance Company | Average Annual Insurance Rate |
|---|---|
| Erie | $879 |
| USAA | $854 |
| Texas Farm Bureau | $774 |
| Tennesse Farmers | $1064 |
| Plymouth Rock Insurance | $1111 |
| Progressive | $747 |
| State Farm | $818 |
| Acuity | $1160 |
| Vermont Mutual | $1080 |
Trim Levels
Trim levels of this hatchback influence insurance rates. For example, a 2021 Volkswagen Golf costs $1274 per year while the 2021 Volkswagen Golf R 4 motion Hatchback trim costs $1520.
Being a newer model, it might seem a costlier model to insure; however, the latest safety features play an important part in lowering the insurance rates.
The GTI S is the least expensive Volkswagen Golf model to insure at an estimated $1,352 per year, or around $118 per month, followed by the GTI SE at $1,436 per year.
The costliest Golf models to insure are the Volkswagen Golf GTI Autobahn and the R trim levels, which cost approximately $1,482 and $1,620 per year, respectively.
| 2022 Volkswagen Golf GTI Trim Level | Annual Policy | 6-month Policy | Monthly Rate |
|---|---|---|---|
| GTI S | $1,352 | $679 | $118 |
| GTI SE | $1,436 | $721 | $125 |
| GTI Autobahn | $1,482 | $743 | $129 |
| R | $1,620 | $813 | $141 |
Volkswagen Golf GTI auto insurance premiums are influenced by the safety features and specifications, which vary with the trim levels. Here we look into the features and safety ratings that influence this hot hatchback insurance premiums.
According to the Insurance Institute for Highway Safety data, the different test types carried out have shown good ratings for a Volkswagen Golf GTI.
| Test Type | Rating |
|---|---|
| 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 |
Moreover, the numerous safety features of a Volkswagen Golf GTI not only ensure safety but also assures a lower insurance rating. These are the salient safety features hosted on a Volkswagen Golf GTI.
The insurance loss probability for the Volkswagen Golf GTI varies depending on the coverage type, as indicated by the Insurance Institute for Highway Safety data. Unfortunately, no data is available on the loss rate of property damage, personal injury, and medical payment.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 30% |
| Comprehensive | 14% |
National Highway Traffic Safety Administration gives the rating for crash tests, which greatly impacts your insurance rates.
| Vehicle Tested | Overall Rating | Frontal | Side | Rollover |
|---|---|---|---|---|
| Volkswagen GTI | 5 stars | 5 stars | 5 stars | 4 stars |
There are several hacks that can be used to save on your Volkswagen Golf GTI insurance. First, shopping around for insurance quotes with different providers can give you a head start on getting the affordable option for you. This is one of the many methods that will help you reduce the insurance premium rates.
Thorough online research can help you choose the best insurance provider that suits your needs.
Always look for discounts when you are purchasing insurance. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates. Different providers also offer pay-in-full discounts.
If you are a young driver, you can always use good student discounts and bundle your policies to reduce the premiums. You can also associate your policy with your parents', which will result in a good reduction in the premium rates.
Even though a higher deductible can reduce your accident claim, it can also reduce vehicle insurance premiums. To make it a feasible option, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.
If you are looking for an affordable quote for your Volkswagen Golf GTI, then improving and maintaining your credit score can fetch you better rates. In those states that allow credit scores to calculate insurance rates, we observe that it will cost at least $240 more if you have a low credit score.
You must maintain a flawless driving record to keep your car insurance rates minimum. However, since Volkswagen Golf GTI is cheap to insure, one can shop around and ensure that they get the appropriate discounts and get a lower insurance premium.
It is wise to conduct research before choosing your insurance company. Doing your research by analyzing the quotes after obtaining them online will reward you with better coverage at a lower price.
Way.com gives you a head start with its study of the finest vehicle insurance providers nationwide based on factors such as financial stability, customer support, protection, and pricing.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
It costs around $1390 to insure a Volkswagen Golf GTI with full coverage. The monthly rate for full coverage is $121.
The Chevy Tahoe has a relatively low-reliability rating compared to other midsize SUVs.
The average insurance cost for a Golf GTI is $1390 for full coverage.
Though Golf GTI from Volkswagen is considered a sports car by insurance companies, it primarily falls under the hot hatch category. Hence the insurance rates are calculated based on the trim levels and the models which deliver performance like a sports car.
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