Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

Are you looking for cheap Volkswagen GTI insurance rates? Full coverage for a Volkswagen GTI costs around $1,384 a year or $115 each month. Learn what drivers can do to save on insurance rates for a Volkswagen GTI in our comprehensive guide.

You can start comparing quotes for Volkswagen GTI car insurance rates from some of the best car 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 Honda Fit, Volkswagen Golf R, and Volkswagen Golf.

Vehicle Comprehensive Collision Liability Total
Honda Fit $268 $512 $258 $1,148
Volkswagen Golf R $372 $660 $390 $1,580
Volkswagen Golf $306 $600 $390 $1,454
Volkswagen Beetle $280 $542 $332 $1,290
Ford Focus RS $332 $656 $398 $1,544
Mitsubishi Mirage $244 $448 $398 $1,248
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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 auto insurance coverage.

Age of the Vehicle

Older Volkswagen GTI models generally cost less to insure. For example, auto insurance for a 2014 Volkswagen GTI costs $1,384, while 2010 Volkswagen GTI insurance costs 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 impact on the cost of Volkswagen GTI auto insurance. For example, 20-year-old drivers pay as much as $1,754 more each year 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 $1,191 a year more than drivers in Indianapolis.

Your Driving Record

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

Volkswagen GTI Safety Ratings

The Volkswagen GTI’s safety ratings will affect your Volkswagen GTI auto insurance rates. See the chart 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

The crash test ratings of the Volkswagen GTI can impact your Volkswagen GTI car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2014 Volkswagen GTI 4 DR FWD N/R N/R N/R 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

Having a variety of safety features on your Volkswagen GTI can help lower your insurance costs. The 2020 Volkswagen GTI’s safety features 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 ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Volkswagen GTI, others are more favorable and lead to lower 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

When financing a Volkswagen GTI, most lenders will require your carry higher Volkswagen GTI coverage options including comprehensive coverage, so be sure to shop around and compare Volkswagen GTI car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Volkswagen GTI Insurance

There are several ways you can save even more on your Volkswagen GTI car insurance rates. Take a look at the following five tips:

  • Spy on Your Teen Driver
  • Don’t Assume your Volkswagen GTI is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Make Sure You Use an Accredited Driver Safety Program
  • Park Your Volkswagen GTI Somewhere Safe – like a Garage or Private Driveway
  • Ask for a Volkswagen GTI Discount If You Have College Degree or Higher

Top Volkswagen GTI Insurance Companies

Who is the top auto insurance 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 auto 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 from some of the top car insurance companies by using our free online tool today.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2014
2013
2012
2011

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available