Roadmap to Volkswagen GTI Insurance Costs in 2025: Rates, Comparisons and Trends

How much does VW GTI insurance cost? We analyzed rates by model year from the base GTI 2.0 S model to the 2.0 Autobahn trim level to find out how insurance costs stack up against the rest of the compact car segment.

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  • Average Volkswagen GTI insurance cost is $2,168 per year, or $181 per month for full coverage.
  • The cheapest VW GTI insurance is on the 2.0 S Hatchback at an average cost of $2,072 per year.
  • Ranked 16th out of 23 other models in the small car class, car insurance rates for the Volkswagen GTI cost $112 more per year than the average cost for the segment.

How much does Volkswagen GTI car insurance cost?

Volkswagen GTI insurance costs on average $2,168 annually, or $181 each month. Expect to pay about $112 more each year for Volkswagen GTI insurance compared to similar vehicles, and $53 less per year than the all-vehicle national average of $2,221.

The rate summary chart below displays average 2021 Volkswagen GTI insurance cost for some common policy risk profiles.

Average 2021 Volkswagen GTI insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2021 Volkswagen GTI insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2021 model year Volkswagen GTI with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Volkswagen GTI trim levels.

2021 Volkswagen GTI Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,016$418
Safe Driver Age 20$4,394$366
At-fault Accidents Age 40$3,088$257
Low Deductibles Age 40$2,814$235
Safe Driver Age 30$2,308$192
Safe Driver Age 40$2,168$181
Safe Driver Age 50$1,924$160
High Deductibles Age 40$1,836$153
Safe Driver Age 60$1,802$150
Discount Rate Age 40$1,798$150

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2021 Volkswagen GTI trim levels. Updated June 27, 2025

The rate table below displays average yearly and semi-annual policy costs, plus a monthly budget estimate, for each Volkswagen GTI package and trim.

2021 Volkswagen GTI Insurance Rates by Trim Level
2021 Volkswagen GTI Trim Level Annual Premium Cost Per Month
2.0 S Hatchback$2,072$173
2.0 SE Hatchback$2,160$180
2.0 Autobahn Hatchback$2,274$190

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2021 Volkswagen GTI ranging from the 2.0 S Hatchback model at $2,072 per year to the 2.0 Autobahn Hatchback model at $2,274
Insurance cost by trim level for a 2021 Volkswagen GTI ranging from the 2.0 S Hatchback model at $2,072 per year to the 2.0 Autobahn Hatchback model at $2,274

The following data table shows average car insurance rates on a Volkswagen GTI for the 2013 to 2021 model years for five different age groups.

Volkswagen GTI Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 Volkswagen GTI$4,394$2,168$1,802
2020 Volkswagen GTI$4,234$2,088$1,738
2019 Volkswagen GTI$4,058$2,000$1,664
2018 Volkswagen GTI$3,912$1,930$1,608
2017 Volkswagen GTI$3,662$1,818$1,516
2016 Volkswagen GTI$3,416$1,706$1,424
2015 Volkswagen GTI$3,368$1,670$1,396
2014 Volkswagen GTI$2,968$1,492$1,250
2013 Volkswagen GTI$2,902$1,462$1,226

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Volkswagen GTI trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2021 Volkswagen GTI models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2021 Volkswagen GTI models for drivers age 20, 40 and 60

How do Volkswagen GTI car insurance rates rank?

The Volkswagen GTI ranks 16th out of 23 total vehicles in the small car class for auto insurance affordability. The GTI costs an estimated $2,168 per year for a car insurance policy with full coverage and the class average car insurance cost is $2,056 per year, a difference of $112 per year.

When average rates are compared to other popular small cars, insurance rates for a Volkswagen GTI cost $250 more per year than the Honda Civic, $432 more than the Toyota Corolla, and $296 more than the Nissan Sentra.

The chart displayed below shows how the average car insurance rate for a Volkswagen GTI compares to the best-selling small cars like the Hyundai Elantra, Volkswagen Jetta, and the Kia Forte. We also added a more comprehensive rate table following the chart displaying insurance rankings for all 23 vehicles in the small car segment.

Average 2021 Volkswagen GTI car insurance premium compared to other small car models.
Figure 2: Average 2021 Volkswagen GTI car insurance premium compared to other small car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2021 model year Volkswagen GTI. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Volkswagen GTI trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Volkswagen GTI Insurance Cost Compared to All Small Cars
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,630-$538
2Kia Rio5$1,722-$446
3Toyota Corolla$1,736-$432
4Volkswagen Golf$1,788-$380
5Subaru Impreza$1,830-$338
6Nissan Sentra$1,872-$296
7Mazda 3$1,884-$284
8Honda Civic$1,918-$250
9Kia Rio$1,928-$240
10Hyundai Accent$1,944-$224
11Kia Forte$1,974-$194
12Toyota Prius$2,086-$82
13Hyundai Veloster$2,152-$16
14Volkswagen Jetta$2,156-$12
15Nissan Versa$2,164-$4
16Volkswagen GTI$2,168--
17Nissan Leaf$2,190$22
18Mitsubishi Mirage G4$2,192$24
19Honda Clarity$2,272$104
20Hyundai Elantra$2,298$130
21Hyundai Ioniq$2,340$172
22Toyota 86$2,478$310
23Toyota Mirai$2,574$406

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2021 model year. Updated June 26, 2025

Additional rates and insights

Some other observations regarding the cost of insurance for a Volkswagen GTI include:

  • Policy discounts equal cheaper GTI insurance rates. Discounts may be available if the insured drivers are claim-free, choose electronic billing, are senior citizens, are homeowners, are good students, or many other policy discounts which could save the average driver as much as $370 per year on their insurance cost.
  • Insurance for teenage drivers is expensive. Average rates for full coverage GTI insurance costs $7,853 per year for a 16-year-old driver, $7,592 per year for a 17-year-old driver, $6,770 per year for a 18-year-old driver, and $6,168 per year for a 19-year-old driver.
  • Obey the law and pay less. If you want to pay the best price on GTI insurance rates, it pays to avoid traffic tickets. Just a couple of blemishes on your driving record could result in raising insurance policy cost as much as $584 per year. Major convictions such as driving on a suspended license could raise rates by an additional $2,042 or more.
  • Gender and age affect the rate you pay. For a 2021 Volkswagen GTI, a 20-year-old male driver pays an average price of $4,394 per year, while a 20-year-old woman pays an estimated $3,146, a difference of $1,248 per year in the women’s favor by a large margin. But by age 50, the male rate is $1,924 and the cost for a female driver is $1,872, a difference of only $52.
  • Get better rates due to your occupation. Some car insurance providers offer policy discounts for specific professions like high school and elementary teachers, nurses, firefighters, police officers and law enforcement, engineers, and others. Qualifying for an occupational discount could save between $65 and $217 on your annual GTI insurance bill, depending on the coverage levels.