Volkswagen GTI Auto Insurance (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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 | |||
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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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. 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.
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. 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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.