- Average Volkswagen GTI insurance cost is $2,218 per year, or $185 per month for full coverage.
- The cheapest VW GTI insurance is on the 2.0 S Hatchback at an average cost of $2,122 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 $2,218 annually, or $185 each month. Expect to pay about $112 more each year for Volkswagen GTI insurance compared to similar vehicles, and $58 less per year than the all-vehicle national average of $2,276.
The rate summary chart below displays average 2021 Volkswagen GTI insurance cost for some common policy risk profiles.
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.0 S Hatchback | $2,122 | $177 |
| 2.0 SE Hatchback | $2,210 | $184 |
| 2.0 Autobahn Hatchback | $2,328 | $194 |
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 October 24, 2025
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.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2021 Volkswagen GTI | $4,502 | $2,218 | $1,844 |
| 2020 Volkswagen GTI | $4,340 | $2,140 | $1,778 |
| 2019 Volkswagen GTI | $4,158 | $2,046 | $1,706 |
| 2018 Volkswagen GTI | $4,008 | $1,976 | $1,646 |
| 2017 Volkswagen GTI | $3,752 | $1,860 | $1,552 |
| 2016 Volkswagen GTI | $3,500 | $1,744 | $1,456 |
| 2015 Volkswagen GTI | $3,450 | $1,708 | $1,430 |
| 2014 Volkswagen GTI | $3,044 | $1,526 | $1,280 |
| 2013 Volkswagen GTI | $2,974 | $1,496 | $1,256 |
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 October 24, 2025
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 $2,218 per year for a car insurance policy with full coverage and the class average car insurance cost is $2,106 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 $254 more per year than the Honda Civic, $442 more than the Toyota Corolla, and $300 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Chevrolet Spark | $1,666 | -$552 |
| 2 | Kia Rio5 | $1,766 | -$452 |
| 3 | Toyota Corolla | $1,776 | -$442 |
| 4 | Volkswagen Golf | $1,832 | -$386 |
| 5 | Subaru Impreza | $1,874 | -$344 |
| 6 | Nissan Sentra | $1,918 | -$300 |
| 7 | Mazda 3 | $1,928 | -$290 |
| 8 | Honda Civic | $1,964 | -$254 |
| 9 | Kia Rio | $1,974 | -$244 |
| 10 | Hyundai Accent | $1,990 | -$228 |
| 11 | Kia Forte | $2,020 | -$198 |
| 12 | Toyota Prius | $2,136 | -$82 |
| 13 | Hyundai Veloster | $2,204 | -$14 |
| 14 | Volkswagen Jetta | $2,210 | -$8 |
| 15 | Nissan Versa | $2,216 | -$2 |
| 16 | Volkswagen GTI | $2,218 | -- |
| 17 | Nissan Leaf | $2,242 | $24 |
| 18 | Mitsubishi Mirage G4 | $2,246 | $28 |
| 19 | Honda Clarity | $2,328 | $110 |
| 20 | Hyundai Elantra | $2,356 | $138 |
| 21 | Hyundai Ioniq | $2,400 | $182 |
| 22 | Toyota 86 | $2,542 | $324 |
| 23 | Toyota Mirai | $2,638 | $420 |
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 October 24, 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 $376 per year on their insurance cost.
- Insurance for teenage drivers is expensive. Average rates for full coverage GTI insurance costs $8,048 per year for a 16-year-old driver, $7,780 per year for a 17-year-old driver, $6,935 per year for a 18-year-old driver, and $6,320 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 $602 per year. Major convictions such as driving on a suspended license could raise rates by an additional $2,094 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 $4,502 per year, while a 20-year-old woman pays an estimated $3,224, a difference of $1,278 per year in the women’s favor by a large margin. But by age 50, the male rate is $1,968 and the cost for a female driver is $1,916, 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 $67 and $222 on your annual GTI insurance bill, depending on the coverage levels.