- Average Volkswagen GTI insurance cost is $1,524 per year, or $127 per month for full coverage.
- The cheapest VW GTI insurance is on the 2.0 S Hatchback at an average cost of $1,464 per year.
- Ranked #13 out of 23 other models in the small car class, car insurance rates for the Volkswagen GTI cost $63 more per year than the average cost for the segment.
How much does Volkswagen GTI car insurance cost?
Volkswagen GTI insurance costs on average $1,524 annually, or $127 each month. Expect to pay about $63 more each year for Volkswagen GTI insurance compared to similar vehicles, and $43 less per year than the all-vehicle national average of $1,567.
The rate summary chart below displays average 2021 Volkswagen GTI insurance cost for some common policy risk profiles.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$3,482||$290|
|Safe Driver Age 20||$3,048||$254|
|At-fault Accidents Age 40||$2,164||$180|
|Low Deductibles Age 40||$1,976||$165|
|Safe Driver Age 30||$1,606||$134|
|Safe Driver Age 40||$1,524||$127|
|Safe Driver Age 50||$1,392||$116|
|Safe Driver Age 60||$1,366||$114|
|High Deductibles Age 40||$1,296||$108|
|Discount Rate Age 40||$1,266||$106|
The rate table below displays average yearly and semi-annual policy costs, plus a monthly budget estimate, for each Volkswagen GTI package and trim.
|Volkswagen GTI Trim Level||Annual Policy||6-month Policy||Per Month|
|2.0 S Hatchback||$1,464||$732||$122|
|2.0 SE Hatchback||$1,510||$755||$126|
|2.0 Autobahn Hatchback||$1,602||$801||$134|
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||$3,048||$1,524||$1,366|
|2020 Volkswagen GTI||$2,996||$1,496||$1,342|
|2019 Volkswagen GTI||$2,918||$1,458||$1,306|
|2018 Volkswagen GTI||$2,872||$1,434||$1,286|
|2017 Volkswagen GTI||$2,726||$1,366||$1,224|
|2016 Volkswagen GTI||$2,602||$1,308||$1,172|
|2015 Volkswagen GTI||$2,612||$1,308||$1,174|
|2014 Volkswagen GTI||$2,274||$1,152||$1,030|
|2013 Volkswagen GTI||$2,220||$1,126||$1,006|
How do Volkswagen GTI car insurance rates rank?
The Volkswagen GTI ranks #13 out of 23 total vehicles in the small car class for auto insurance affordability. The GTI costs an estimated $1,524 per year for a car insurance policy with full coverage and the class average car insurance cost is $1,461 per year, a difference of $63 per year.
When average rates are compared to other popular small cars, insurance rates for a Volkswagen GTI cost $160 more per year than the Honda Civic, $292 more than the Toyota Corolla, and $192 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.
|18||Mitsubishi Mirage G4||$1,558||$34|
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 $258 per year on their insurance cost.
- Insurance for teenage drivers is expensive. Average rates for full coverage GTI insurance costs $5,556 per year for a 16-year-old driver, $5,180 per year for a 17-year-old driver, $4,830 per year for a 18-year-old driver, and $4,358 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 $410 per year. Major convictions such as driving on a suspended license could raise rates by an additional $1,420 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 $3,048 per year, while a 20-year-old woman pays an estimated $2,256, a difference of $792 per year in the women’s favor by a large margin. But by age 50, the male rate is $1,392 and the cost for a female driver is $1,364, a difference of only $28.
- 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 $46 and $151 on your annual GTI insurance bill, depending on the coverage levels.