Volkswagen GTI Insurance Cost Estimate [How to Find Low Rates Online]

Volkswagen GTI insurance rates cost $1,384 a year, or around $115 a month. You can find cheap Volkswagen GTI insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $813 a year.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 25, 2020

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Key takeaways:

  • Full coverage costs around $1,384 a year or $115 each month
  • A liability-only policy costs around $555 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,059 a year or $422 each month
  • Good drivers can save as much as $571 a year by earning policy discounts
  • Volkswagen GTI insurance costs around $135 less per year than the average vehicle

Volkswagen GTI insurance rates are $135 cheaper than the average vehicle. Full coverage insurance rates are $115 per month, while liability-only coverage is $46. Continue reading to learn how you can save $571 per year on Volkswagen GTI insurance rates.

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.

Volkswagen GTI Insurance Cost

The average Volkswagen GTI auto insurance rates are $1,384 a year or $115 a month.

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Are Volkswagen GTIs Expensive to Insure?

The chart below details how Volkswagen GTI insurance rates compare to other subcompact hatchbacks like the Ford Focus RS, Honda Fit, and Volkswagen Golf.

Vehicle Comprehensive Collision Liability Total
Ford Focus RS $332 $656 $398 $1,544
Honda Fit $268 $512 $258 $1,148
Volkswagen Golf $306 $600 $390 $1,454
Mitsubishi Mirage $244 $448 $398 $1,248
Volkswagen Golf R $372 $660 $390 $1,580
Volkswagen Beetle $280 $542 $332 $1,290
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However, there are a few things you can do to find the cheapest Volkswagen insurance rates online.

What Impacts the Cost of Volkswagen GTI Insurance?

The Volkswagen GTI trim and model you choose can impact the total price you will pay for Volkswagen GTI insurance coverage.

Age of the Vehicle

Older Volkswagen GTI models generally cost less to insure. For example, auto insurance rates for a 2014 Volkswagen GTI are $1,384, while 2010 Volkswagen GTI rates are $1,210, a difference of $174.

Model Year Comprehensive Collision Liability Total
2014 Volkswagen GTI $250 $524 $452 $1,384
2013 Volkswagen GTI $240 $494 $456 $1,348
2012 Volkswagen GTI $230 $442 $460 $1,290
2011 Volkswagen GTI $214 $408 $460 $1,240
2010 Volkswagen GTI $206 $382 $464 $1,210
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Driver Age

Driver age can have a significant effect on Volkswagen GTI insurance rates. For example, 20-year-old drivers pay $1,693 more for their Volkswagen GTI auto insurance each year than 30-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 $1,191 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Volkswagen GTI auto insurance. Teens and drivers in their 20’s see the highest jump in their Volkswagen GTI auto insurance with violations on their driving record.

Volkswagen GTI Safety Ratings

Your Volkswagen GTI car insurance rates are tied to the safety ratings of the Volkswagen GTI. See the breakdown below:

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
Source: Insurance Institute for Highway Safety
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Volkswagen GTI Crash Test Ratings

Good Volkswagen GTI crash test ratings mean the VW is safer, which could mean cheaper Volkswagen GTI insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Volkswagen GTI 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Volkswagen GTI Safety Features

Volkswagen GTI safety features can lower the cost of your insurance. The safety features for the 2020 Volkswagen GTI include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor

Volkswagen GTI Insurance Loss Probability

The Volkswagen GTI’s insurance loss probability varies for each form of coverage. The lower percentage means lower Volkswagen GTI auto insurance rates; higher percentages mean higher Volkswagen GTI insurance rates.

Insurance Coverage Category Loss Rate
Collision 30%
Property Damage no data
Comprehensive 14%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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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.

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5 Ways to Save on Volkswagen GTI Insurance

There are several 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 Your Volkswagen GTI Insurance Rates Mid-Term for Other Reasons

Top Volkswagen GTI Insurance Companies

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). Many of these companies offer discounts for security systems and other safety features that the Volkswagen GTI offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Volkswagen GTI Insurance Quotes Online

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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