Compare Volkswagen GTI Car Insurance Rates [2026]

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

Drivers who want to save on Volkswagen Golf GTI insurance rates by having a liability-only policy spend about $555 a year or $46 each month. Furthermore, good drivers who qualify for discounts on Volkswagen Golf GTI car insurance rates can save up to $571 a year.

Learn helpful tips right here in this article to get Volkswagen Golf GTI rates that will leave both your car and wallet protected.

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 costs are $1,384 a year or $115 a month.

Are Volkswagen GTIs Expensive to Insure?

The chart below details how Volkswagen GTI insurance rates compare to other subcompact hatchbacks like the Volkswagen Beetle, Mitsubishi Mirage, and Ford Focus RS.

Read more: Volkswagen Car Insurance Rates

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?

Even though the average annual rate for the Volkswagen GTI is $1,384, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Volkswagen GTI.

Age of the Vehicle

Older Volkswagen GTI models generally cost less to insure. For example, car insurance for a 2014 Volkswagen GTI costs $1,384, while 2010 Volkswagen GTI insurance costs are $1,210, a difference of $174.

Driver Age

Driver age can have a significant effect on Volkswagen GTI car insurance rates. For example, 30-year-old drivers pay $61 more for Volkswagen GTI car 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 Jacksonville may pay $831 a year more than drivers in Indianapolis.

Your Driving Record

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

Volkswagen GTI Safety Ratings

Your Volkswagen GTI car insurance rates are tied to the safety ratings of the Volkswagen GTI. See the breakdown 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

Volkswagen GTI Crash Test Ratings

Volkswagen GTI crash test ratings can impact the cost of your Volkswagen GTI car insurance. See Volkswagen GTI crash test results below:

Volkswagen GTI Safety Features

Having a variety of safety features on your Volkswagen GTI can help lower your Volkswagen GTI insurance costs. The 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

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.

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:

• Move to an Area with a Lower Cost of Living
• Take Advantage of Referral Fees
• Ask About Farm and Ranch Vehicle Discounts
• Save Money on Young Driver Volkswagen GTI Insurance By Mentioning Grades or GPA
• Get a Plan with Only Liability Coverage If You’re Driving an Older Volkswagen GTI

Top Volkswagen GTI Insurance Companies

Who is the best 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 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Volkswagen GTI offers.

Compare Free Volkswagen GTI Insurance Quotes Online

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.