Key Takeaways
Considered the best-selling model of Volkswagen, the Golf GTI variant has been on 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, Volkswagen Golf GTI auto insurance cost doesn't go up due to their security and safety features.
The average annual Volkswagen Golf GTI car insurance cost is $1,220. This hatchback from Volkswagen is among the affordable models to insure. Several factors like age, driving experience, location, and trim level of your car impact the Volkswagen Golf GTI insurance rate.
Volkswagen Golf GTI auto insurance cost is a little more expensive than standard Golf models. The higher performance and the repair cost are the major reasons for its slightly higher insurance cost. Still, compared to other hatchbacks, the Volkswagen car insurance cost is not that high.
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. Also, the driving experience, age, and place of registration are the other factors that outline the insurance rates of Volkswagen GTI.
When comparing 2017 Volkswagen GTI car insurance costs, Erie offers the most affordable premium, just $818, while Country is the most expensive insurance company, with premiums starting from $1,256.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $818 |
| Progressive | $910 |
| Texas Farm Bureau | $941 |
| USAA | $984 |
| State Farm | $1,039 |
| Plymouth Rock Insurance | $1,084 |
| Vermont Mutual | $1,118 |
| Acuity | $1,180 |
| American Family | $1,202 |
| Nationwide | $1,214 |
| Country | $1,256 |
Progressive tops the list when it comes to the most affordable car insurance for the 2016 Volkswagen GTI, with a premium of just $678. On the higher end, Tennessee Farmers charges around $1,206 for the same.
| Insurance Company | Annual Rate |
|---|---|
| Progressive | $678 |
| Erie | $693 |
| USAA | $796 |
| Texas Farm Bureau | $857 |
| State Farm | $862 |
| Nationwide | $1,048 |
| Vermont Mutual | $1,069 |
| Plymouth Rock Insurance | $1,073 |
| Acuity | $1,142 |
| American Family | $1,142 |
| Tennessee Farmers | $1,206 |
Progressive tops the list when it comes to the most affordable car insurance for the 2015 Volkswagen GTI, with a premium of just $669. On the higher end, Country charges around $1,134 for the same model year.
| Insurance Company | Annual Rate |
|---|---|
| Progressive | $669 |
| Texas Farm Bureau | $696 |
| State Farm | $740 |
| USAA | $777 |
| Erie | $801 |
| Tennessee Farmers | $986 |
| Vermont Mutual | $1,002 |
| Plymouth Rock Insurance | $1,033 |
| Acuity | $1,082 |
| American Family | $1,100 |
| Country | $1,134 |
The numerous safety features of a Volkswagen Golf GTI not only ensure safety but also ensure a lower insurance rating. These are the salient safety features hosted on a Volkswagen Golf GTI.
Volkswagen Golf GTI auto insurance premiums are influenced by the safety features and specifications, which vary with the trim levels. 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 |
Drive safely: Rash and careless driving can often stay on your record. Insurance companies will charge you a higher premium if you have a history of at-fault accidents.
Improve your credit score: Applicants with excellent credit scores (more than 700) can save as much as $250 or more annually compared to those with lower credit scores.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Volkswagen Golf GTI.
Ask for relevant discounts: Ask for loyalty discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.
Bundle insurance policies: You can save even more by bundling your auto and home insurance policies.
You can easily get the best Volkswagen Golf GTI car insurance cost by comparing top companies with Way. All you need to do is download the Way app or head over to the Way.com website! Here, you'll find so many options that are best suited for you. Let's save some money on your Volkswagen Golf GTI car insurance!
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
Way.com’s Insurance Broker Quote Data
It costs around $1,220 to insure a Volkswagen Golf GTI with full coverage. The monthly rate for full coverage is $102.
Though the 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 that deliver performance like a sports car.
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