Volkswagen GTI Car Insurance Cost [Rates + Rankings]

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 $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.

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Chart Data Details: 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. Physical damage 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.Data last updated on December 5, 2022
Volkswagen GTI Insurance Cost Summary
Volkswagen GTI Insurance Cost Summary
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.

2021 Volkswagen GTI Insurance Cost by Trim Level
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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Volkswagen GTI, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 5, 2022
Volkswagen GTI Insurance Cost by Trim Level

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$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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 5, 2022
Volkswagen GTI Insurance Cost by Model Year

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Volkswagen GTI, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Volkswagen GTI trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 5, 2022
Insurance Cost Comparison: Volkswagen GTI vs Top 10 Small Cars
Volkswagen GTI Insurance Cost Compared to All Small Cars
Rank Make/Model Insurance Cost Difference
1Chevrolet Spark$1,160-$364
2Kia Rio5$1,222-$302
3Toyota Corolla$1,232-$292
4Volkswagen Golf$1,268-$256
5Subaru Impreza$1,300-$224
6Nissan Sentra$1,332-$192
7Mazda 3$1,338-$186
8Honda Civic$1,364-$160
9Kia Rio$1,376-$148
10Hyundai Accent$1,388-$136
11Kia Forte$1,400-$124
12Toyota Prius$1,480-$44
13Volkswagen GTI$1,524--
14Hyundai Veloster$1,530$6
15Volkswagen Jetta$1,536$12
16Nissan Versa$1,546$22
17Nissan Leaf$1,554$30
18Mitsubishi Mirage G4$1,558$34
19Honda Clarity$1,608$84
20Hyundai Elantra$1,636$112
21Hyundai Ioniq$1,662$138
22Toyota 86$1,760$236
23Toyota Mirai$1,820$296

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.