Best Volkswagen GTI Auto Insurance (2025)
AAA, Allstate, and Safeco offer the best Volkswagen GTI auto insurance for drivers. Minimum Volkswagen GTI rates start at just $27/mo. While Volkswagen GTIs are more expensive to insure, mature drivers with good driving records will find Volkswagen GTI rates more affordable.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated March 2025
3,027 reviewsCompany Facts
Full Coverage for Volkswagen GTI
A.M. Best
Complaint Level
Pros & Cons
3,027 reviews
11,640 reviewsCompany Facts
Full Coverage for Volkswagen GTI
A.M. Best
Complaint Level
Pros & Cons
11,640 reviews
1,278 reviewsCompany Facts
Full Coverage for Volkswagen GTI
A.M. Best Rating
Complaint Level
Pros & Cons
1,278 reviewsAAA, Allstate, and Safeco have the best Volkswagen GTI auto insurance for drivers.
The best auto insurance companies for Volkswagen GTI vehicles offer great coverage options and reliable service.
Our Top 10 Company Picks: Best Volkswagen GTI Auto Insurance| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A | Policy Perks | AAA |
 | #2 | 18% | A+ | Roadside Assistance | Allstate |
 | #3 | 12% | A | Local Agents | Safeco |
 | #4 | 10% | A | Customer Service | Liberty Mutual |
 | #5 | 14% | B | Infrequent Drivers | State Farm |
 | #6 | 17% | A | Safe-Driving Discounts | Farmers |
 | #7 | 16% | A+ | Usage-Based Discount | Amica |
 | #8 | 13% | A++ | Add-on Coverages | Auto-Owners |
 | #9 | 19% | A | Multi-Policies Discount | The General |
 | #10 | 11% | A+ | Customized Policies | Dairyland |
While Volkswagen GTIs cost more to insure than the average vehicle, discounts at the best companies can help lower costs.
Continue reading to learn how you can save on Volkswagen GTI insurance rates. You can also start comparing quotes for Volkswagen GTI insurance rates from some of the best auto insurance companies by using our free online tool now.
- AAA has the best Volkswagen GTI car insurance policies
- Good drivers can save as much as $48 per month by earning policy discounts
- Volkswagen GTI insurance costs around less than the average vehicle
#1 – AAA: Top Pick Overall
Pros
- Policy Perks: Buying your Volkswagen GTI insurance through AAA means you have access to policy perks like shopping discounts.
- Roadside Assistance: All AAA customers have access to roadside assistance for their Volkswagen GTI.
- Availability: AAA Volkswagen GTI insurance is sold across the U.S.
Cons
- Membership Fee: Volkswagen GTI customers have to join AAA and pay a membership fee to get insurance.
- Customer Satisfaction: AAA has lower satisfaction ratings than some of the other Volkswagen GTI companies on our list. Find out more in our AAA review.
#2 – Allstate: Best for Roadside Assistance
Pros
- Roadside Assistance: Allstate has a roadside assistance program that can be added to Volkswagen GTI policies.
- Milewise Insurance: Milewise will help infrequent drivers score lower Volkswagen GTI rates.
- Bundling Discount: Volkswagen GTI customers can purchase other insurance types from Allstate. Visit our Allstate review to learn more.
Cons
- Higher Rates: Allstate has more expensive Volkswagen GTI auto insurance rates.
- Customer Complaints: Volkswagen GTI customers may have issues with claims based on the higher number of complaints.
#3 – Safeco: Best for Local Agents
Pros
- Local Agents: Safeco agents can help Volkswagen GTI customers in person.
- Diminishing Deductible: Volkswagen GTI deductibles can be lowered with safe driving.
- Coverage Options: Volkswagen GTI cars can be insured with add-ons like new car replacement. For a full list of coverages, visit our Safeco insurance review.
Cons
- Online Management: Volkswagen GTI customers will find fewer tools online.
- Customer Satisfaction: Volkswagen GTI customers may find fault with services, as there are some negative reviews.
#4 – Liberty Mutual: Best for Customer Service
Pros
- Customer Service: Liberty Mutual customer assistance is available 24/7 to Volkswagen GTI customers.
- Bundling Discount: Volkswagen GTI policies can be combined with home or renters insurance.
- Coverage Options: Volkswagen GTI policies can be customized with add-ons. For a full list, visit our review of Liberty Mutual.
Cons
- Claim Delays: Reviews indicate that there may be delays with Volkswagen GTI claim processing.
- Discount Availability: Some Volkswagen GTI discounts could be unavailable in a few states.
#5 – State Farm: Best for Infrequent Drivers
Pros
- Infrequent Drivers: Low mileage drivers will have lower rates on Volkswagen GTI insurance.
- Local Support: Agents provide in-person help with Volkswagen GTI policies. Read our State Farm review for more information about local support.
- Availability: Volkswagen GTI insurance is available in all U.S. states.
Cons
- Online Tools: State Farm limits online tools for Volkswagen GTI customers, as local agents provide most services.
- Financial Stability: A B rating from A.M. Best puts State Farm as one of the less financially stable Volkswagen GTI companies on our list.
#6 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Volkswagen GTI insurance rates are cheaper for safe drivers.
- Coverage Variety: Volkswagen GTI owners will have several coverage options, as you can see in our review of Farmers.
- Local Support: Agents provide localized assistance to Volkswagen GTI customers.
Cons
- Customer Satisfaction: Our Farmers review discusses some of the issues Volkswagen GTI may face at Farmers.
- Discount Availability: A few Volkswagen GTI discounts may be unavailable in some states.
#7 – Amica: Best for Usage-Based Discount
Pros
- Usage-Based Discount: Good drivers can get lower Volkswagen GTI rates at Amica.
- Customer Satisfaction: Amica has better customer satisfaction reviews than most Volkswagen GTI companies.
- Bundling Discount: Amica sells other insurance types that can be bundled with Volkswagen GTI insurance.
Cons
- Local Agent Availability: Not all Volkswagen GTI customers will have a local agent in their area.
- Coverage Availability: Some coverages for Volkswagen GTI vehicles aren’t available in some states. Visit our Amica review to learn more.
#8 – Auto-Owners Best for Add-On Coverages
Pros
- Add-On Coverages: Volkswagen GTI vehicles can be insured with extras like modified vehicle insurance.
- Financial Stability: Auto-Owners is one of the more financially stable Volkswagen GTI companies on our list.
- Discount Variety: Volkswagen GTI discounts include payment-in-full, good student, and more. For a full list of discounts, visit our Auto-Owners review.
Cons
- Availability: Volkswagen GTI insurance is not sold in all states.
- Limited App Services: Local agents do most tasks with Volkswagen GTI policies.
#9 – The General: Best for Multi-Policies Discount
Pros
- Multi-Policies Discount: The General sells home and other policies in addition to Volkswagen GTI insurance.
- High-Risk Drivers: The General insures Volkswagen GTI drivers who may have trouble finding coverage elsewhere.
- Mobile App: Volkswagen GTI policies can be managed from an app.
Cons
- Coverage Options: The General has fewer Volkswagen GTI insurance options.
- Expensive Rates: The General rates are pricier for Volkswagen GTI customers. Visit our review of The General for more rate details.
#10 – Dairyland: Best for Customized Policies
Pros
- Customized Policies: Policy customization is simple for Volkswagen GTI owners.
- High-Risk Drivers: Dairyland insures Volkswagen GTI drivers who may have trouble getting insurance.
- Roadside Assistance: Get Volkswagen GTI roadside assistance by adding this to your policy.
Cons
- Availability: Volkswagen GTI coverage is not sold in all states. Learn more about availability in our Dairyland review.
- Expensive Rates: Dairyland’s Volkswagen GTI rates are higher than most other companies.
Volkswagen GTI Insurance Cost
The average Volkswagen GTI auto insurance rates are $115 a month, as you can see in the table below.
Volkswagen GTI Auto Insurance Monthly Rates by Driver Profile| Category | Rates |
|---|---|
| Average Rate | $115 |
| Discount Rate | $145 |
| High Deductibles | $99 |
| High Risk Driver | $246 |
| Low Deductibles | $145 |
| Teen Driver | $422 |
However, rates will vary depending on what auto insurance coverage drivers choose. Average rates at the best Volkswagen GTI companies for minimum and full coverage are displayed below.
Volkswagen GTI Auto Insurance Monthly Rates by Coverage Level & Provider| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $46 | $86 |
| Allstate | $61 | $160 |
| Amica Mutual | $46 | $151 |
| Auto-Owners | $33 | $87 |
| Dairyland | $85 | $237 |
| Farmers | $53 | $139 |
| Liberty Mutual | $68 | $174 |
| Safeco | $27 | $71 |
| State Farm | $33 | $86 |
| The General | $54 | $232 |
Full coverage is often the best choice for Volkswagen GTI owners, unless customers are able to pay for their own car repairs out-of-pocket.
Full coverage is required for leased Volkswagen GTI vehicles, even though it isn’t required by states to drive legally (Learn More: How much car insurance do I need?).
Volkswagen GTI Rates Compared to Other Car Brands
The chart below details how Volkswagen GTI insurance rates compare to other subcompact hatchbacks like the Ford Focus RS, Honda Fit, and Volkswagen Golf.
Volkswagen GTI Auto Insurance Monthly Rates vs. Other Cars by Coverage Type
| Vehicle | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| Ford Focus RS | $28 | $55 | $33 | $129 |
| Honda Fit | $22 | $43 | $22 | $96 |
| Volkswagen Golf | $26 | $50 | $33 | $121 |
| Mitsubishi Mirage | $20 | $37 | $33 | $104 |
| Volkswagen Golf R | $31 | $55 | $33 | $132 |
| Volkswagen Beetle | $23 | $45 | $28 | $108 |
As you can see from the rates displayed above, Volkswagens are more expensive to insure than brands like Mitsubishi or Honda.
Factors That Affect Volkswagen GTI Insurance Rates
Multiple factors affect auto insurance rates for Volkswagen GTI vehicles. For example, the Volkswagen GTI trim and model you choose can impact the total price you will pay for Volkswagen GTI insurance coverage.
Common factors auto insurance companies use to calculate Volkswagen GTI rates include driving records, locations, and more.Dani Best Licensed Insurance Producer
Continue reading to learn about what will affect your Volkswagen GTI car insurance rates at top insurance companies.
Age of the Vehicle
Older Volkswagen GTI models generally cost less to insure, as their value is less than that of new models.
Volkswagen GTI Auto Insurance Monthly Rates by Model Year & Coverage Type| Vehicle | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2024 Volkswagen GTI | $23 | $47 | $32 | $117 |
| 2023 Volkswagen GTI | $23 | $46 | $32 | $116 |
| 2022 Volkswagen GTI | $23 | $46 | $31 | $116 |
| 2021 Volkswagen GTI | $22 | $45 | $31 | $115 |
| 2020 Volkswagen GTI | $22 | $45 | $31 | $115 |
| 2019 Volkswagen GTI | $21 | $45 | $31 | $115 |
| 2018 Volkswagen GTI | $21 | $44 | $31 | $114 |
| 2017 Volkswagen GTI | $20 | $44 | $31 | $114 |
| 2016 Volkswagen GTI | $20 | $43 | $30 | $113 |
| 2015 Volkswagen GTI | $20 | $43 | $30 | $113 |
| 2014 Volkswagen GTI | $19 | $43 | $30 | $113 |
| 2013 Volkswagen GTI | $20 | $41 | $38 | $112 |
| 2012 Volkswagen GTI | $19 | $37 | $38 | $108 |
| 2011 Volkswagen GTI | $18 | $34 | $38 | $103 |
| 2010 Volkswagen GTI | $17 | $32 | $39 | $101 |
Full coverage auto insurance rates for a 2024 Volkswagen GTI are $117 per month, while 2015 Volkswagen GTI rates are $113 per month.
Driver Age
Driver age can have a significant effect on Volkswagen GTI insurance rates, with younger drivers paying more than older drivers.
Volkswagen GTI Auto Insurance Monthly Rates by Age| Age | Rates |
|---|---|
| Age: 16 | $580 |
| Age: 18 | $422 |
| Age: 20 | $262 |
| Age: 30 | $120 |
| Age: 40 | $115 |
| Age: 45 | $110 |
| Age: 50 | $105 |
| Age: 60 | $103 |
20-year-old drivers pay $147 more per month for their Volkswagen GTI auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Volkswagen GTI insurance rates. For example, drivers in Los Angeles may pay $99 more per month than drivers in Indianapolis.
Volkswagen GTI Auto Insurance Monthly Rates by City| City | Rates |
|---|---|
| Los Angeles, CA | $197 |
| New York, NY | $182 |
| Houston, TX | $181 |
| Jacksonville, FL | $167 |
| Philadelphia, PA | $155 |
| Chicago, IL | $152 |
| Phoenix, AZ | $134 |
| Seattle, WA | $112 |
| Indianapolis, IN | $98 |
| Columbus, OH | $96 |
If you live in a location with higher insurance rates, make sure to shop around for quotes from top companies to get the best deal on Volkswagen insurance.
Your Driving Record
Your driving record can have an impact on the cost of Volkswagen GTI auto insurance. A poor driving record will result in higher rates.
Volkswagen GTI Auto Insurance Monthly Rates by Age & Driving Record| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Age: 16 | $580 | $760 | $1,050 | $720 |
| Age: 18 | $422 | $610 | $830 | $510 |
| Age: 20 | $262 | $420 | $650 | $340 |
| Age: 30 | $120 | $185 | $315 | $160 |
| Age: 40 | $115 | $175 | $305 | $155 |
| Age: 45 | $110 | $170 | $295 | $150 |
| Age: 50 | $105 | $165 | $285 | $145 |
| Age: 60 | $103 | $160 | $275 | $140 |
Teens and drivers in their 20’s see the highest jump in their Volkswagen GTI auto insurance with violations on their driving record.
If you have a bad driving record, your Volkswagen GTI rates will stay high for at least a few years. Working on keeping a clean driving record after driving infractions will eventually bring rates down.
Volkswagen GTI Safety Ratings
Your Volkswagen GTI car insurance rates are tied to the safety ratings of the Volkswagen GTI. See the breakdown below:
Volkswagen GTI Safety Ratings| 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 |
The Volkswagen GTI safety ratings could be better. Lower ratings mean that insurance companies will charge more for insurance.
Volkswagen GTI Crash Test Ratings
Good Volkswagen GTI crash test ratings mean the VW is safer, which could mean cheaper Volkswagen GTI insurance rates.
Volkswagen GTI Crash Test Ratings| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2023 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2022 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Volkswagen Golf GTI | 5 stars | 4 stars | 5 stars | 4 stars |
The Volkswagen GTI got five stars overall, which is good and means drivers and passengers will be safer in a crash.
Volkswagen GTI Safety Features
Volkswagen GTI safety features can lower the cost of your insurance. The safety features of the 2020 Volkswagen GTI include the following:
Volkswagen GTI Safety Features| Safety Feature |
|---|
| Blind Spot Monitor |
| Brake Assist |
| Child Safety Locks |
| Daytime Running Lights |
| Driver Air Bag |
| Electronic Stability Control |
| Front Head Air Bag |
| Front Side Air Bag |
| Integrated Turn Signal Mirrors |
| Passenger Air Bag |
| Rear Head Air Bag |
| Traction Control |
| 4-Wheel ABS |
| 4-Wheel Disc Brakes |
Insurance companies prefer cars with multiple safety features, as safety features help prevent accidents and theft.
Volkswagen GTI Insurance Loss Probability
The Volkswagen GTI’s insurance loss probability varies for each form of coverage. Take a look at the loss probabilities below.
Volkswagen GTI Auto Insurance Loss Probability by Coverage Type| Coverage | Loss |
|---|---|
| Collision | 30% |
| Property Damage | 24% |
| Comprehensive | 14% |
| Personal Injury | 20% |
| Medical Payment | 18% |
| Bodily Injury | 28% |
The lower percentage means lower Volkswagen GTI auto insurance rates; higher percentages mean higher Volkswagen GTI insurance rates.
Volkswagen GTI Finance and Insurance Cost
If you are financing a Volkswagen GTI, you will pay more if you purchase Volkswagen GTI auto insurance at the dealership, so be sure to shop around and compare Volkswagen GTI auto insurance quotes from the best companies using our free tool below.
Volkswagen GTI Insurance Companies’ Market Shares
Who is the best company for Volkswagen GTI insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volkswagen GTI insurance coverage (ordered by market share).
Volkswagen GTI Auto Insurance Providers by Market Share| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66,153,063 | 9% |
| #2 | Geico | $46,358,896 | 6% |
| #3 | Progressive | $41,737,283 | 6% |
| #4 | Allstate | $39,210,020 | 5% |
| #5 | Liberty Mutual | $36,172,570 | 5% |
| #6 | Travelers | $28,786,741 | 4% |
| #7 | USAA | $24,621,246 | 3% |
| #8 | Chubb | $24,199,582 | 3% |
| #9 | Farmers | $20,083,339 | 3% |
| #10 | Nationwide | $18,499,967 | 3% |
State Farm and Geico have some of the largest market shares in the U.S., dominating the auto insurance market. Many of these companies offer discounts for security systems and other safety features that the Volkswagen GTI offers, helping keep rates affordable.
Ways to Save on Volkswagen GTI Insurance
Auto insurance discounts at the best Volkswagen GTI insurance companies will help most drivers reduce costs.
There are several other ways you can save even more on your Volkswagen GTI insurance rates. Take a look at the following five tips:
- Bundle your Volkswagen GTI auto insurance with home insurance.
- Compare Volkswagen GTI quotes online.
- Drive your Volkswagen GTI safely.
- Ask about retiree discounts.
- Understand that your insurer can change Volkswagen GTI insurance rates mid-term for other reasons.
While Volkswagen auto insurance isn’t cheap, following the tips above will help customers find more affordable rates.
Finding the Best Volkswagen GTI Insurance For You
Drivers will find the best Volkswagen auto insurance at AAA, Allstate, and Safeco. Customers can compare multiple quotes from these companies to decide which is best for their car insurance needs and budget (Read More: How to Compare Auto Insurance Quotes).
Ready to shop for Volkswagen GTI insurance? You can start comparing quotes for Volkswagen GTI insurance rates from some of the best auto insurance companies by using our free online tool now.
Frequently Asked Questions
Is auto insurance mandatory for Volkswagen GTI owners?
Yes, auto insurance is mandatory for all vehicle owners, including Volkswagen GTI owners. It is a legal requirement in most states to have at least liability insurance coverage to protect against potential damages or liabilities arising from accidents.
What types of auto insurance coverage are available for Volkswagen GTI vehicles?
Volkswagen GTI owners can typically choose from various types of auto insurance coverage, including liability insurance, collision insurance, comprehensive insurance, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage. The specific coverage options and requirements may vary by state and individual policy.
How can I find the best auto insurance for my Volkswagen GTI?
To find the best auto insurance for your Volkswagen GTI, it’s recommended to obtain quotes from multiple insurance providers (Read More: How to Get Fast and Free Auto Insurance Quotes).
Compare coverage options, premiums, deductibles, and discounts offered by different companies. Additionally, consider reading reviews and seeking recommendations from other Volkswagen GTI owners or automotive communities.
What factors can affect the cost of Volkswagen GTI auto insurance?
Several factors can influence the cost of auto insurance for Volkswagen GTI vehicles. These include your driving record, age, location, the model and year of your Volkswagen GTI, its safety features, annual mileage, and the level of coverage you choose. Insurance companies also consider historical claims data and the overall theft and accident rates associated with Volkswagen GTI models.
Are there any specialized insurance programs or discounts available for Volkswagen GTI owners?
Some insurance companies offer specialized insurance programs or discounts for Volkswagen GTI owners. These may include loyalty discounts, discounts for safety features such as anti-lock brakes and airbags, and discounts for being a member of certain automotive organizations.
It’s advisable to inquire about any available programs or discounts when obtaining quotes or speaking with insurance providers. Compare rates now for Volkswagens with our free quote tool.
Can I use Volkswagen authorized repair shops or OEM parts for repairs covered by insurance?
Depending on your policy, you may have the option to choose Volkswagen authorized repair shops or use OEM (Original Equipment Manufacturer) parts for repairs covered by your insurance. Some policies offer this flexibility, while others may have specific requirements or limitations (Read More: Best Auto Insurance Companies That Offer OEM Parts Coverage). Review your policy or discuss it with your insurance provider to understand your options.
What should I do if my Volkswagen GTI is involved in an accident or needs repairs?
If your Volkswagen GTI is involved in an accident or requires repairs, follow the standard procedure for filing an insurance claim. Contact your insurance provider as soon as possible to report the incident and initiate the claims process. They will guide you through the necessary steps, including obtaining repair estimates and arranging for inspections.
Do Volkswagens have high maintenance costs?
Volkswagen maintenance costs are slightly above the average.
Are Volkswagens good for insurance?
Volkswagens actually cost a little more to insure than other popular brands. If you have a Volkswagen GTI, read our article on how to lower your auto insurance rates.
Are Volkswagens difficult to service?
Volkswagens aren’t difficult to service compared to other popular brands.
Related Articles
-
Jan 2025
Cheap Mercury Auto Insurance in 2025 (Earn Savings With These 10 Companies!)
-
Mar 2025
Best Ford Edge Auto Insurance in 2025 (Your Guide to the Top 10 Companies)
-
Apr 2025
Best Ford Escape Auto Insurance in 2025 (Find the Top 10 Companies Here)
-
Oct 2024
Best Ford Taurus X Auto Insurance in 2025 (Find the Top 10 Companies Here)
-
Jan 2025
Cheap Scion Auto Insurance in 2025 (Save With These 10 Companies!)
-
Mar 2025
Best Toyota Camry Auto Insurance in 2025 (Check Out These 10 Companies)
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
