Volkswagen GTI Insurance Quotes [How to Find Cheap Rates]
Volkswagen GTI insurance quotes average $115 per month for basic coverage. If you're looking for cheap Volkswagen GTI insurance rates, follow this guide to get the most bang for your buck. Volkswagen GTI insurance coverage varies. Here is everything you need to know to save money on your Volkswagen GTI insurance cost.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jul 16, 2020
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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
Volkswagen GTI insurance rates are about $135 less per year than the average vehicle with full coverage averaging $1,384 a year or $115 a month. Drivers of an older Volkswagen GTI may choose to get liability only coverage which costs around $555 a year or $46 a month.
Good drivers can save up to $571 a year in policy discounts by remaining safe out on the roadways. Let’s take a closer look at Volkswagen GTI insurance rates, safety ratings, and more.
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.
Table of Contents
Volkswagen GTI Insurance Cost
The average Volkswagen GTI auto insurance costs are $1,384 a year or $115 a month.
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Are Volkswagen GTIs Expensive to Insure?
The chart below details how Volkswagen GTI insurance rates compare to other subcompact hatchbacks like the Volkswagen Golf R, Honda Fit, and Ford Focus RS.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| Honda Fit | $268 | $512 | $258 | $1,148 |
| Ford Focus RS | $332 | $656 | $398 | $1,544 |
| Volkswagen Beetle | $280 | $542 | $332 | $1,290 |
| Mitsubishi Mirage | $244 | $448 | $398 | $1,248 |
| Volkswagen Golf | $306 | $600 | $390 | $1,454 |
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?
The Volkswagen GTI trim and model you choose can impact the total price you will pay for Volkswagen GTI insurance coverage.
Age of the Vehicle
Older Volkswagen GTI models generally cost less to insure. For example, auto insurance rates for a 2014 Volkswagen GTI are $1,384, while 2010 Volkswagen GTI rates are $1,210, a difference of $174.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2014 Volkswagen GTI | $250 | $524 | $452 | $1,384 |
| 2013 Volkswagen GTI | $240 | $494 | $456 | $1,348 |
| 2012 Volkswagen GTI | $230 | $442 | $460 | $1,290 |
| 2011 Volkswagen GTI | $214 | $408 | $460 | $1,240 |
| 2010 Volkswagen GTI | $206 | $382 | $464 | $1,210 |
Driver Age
Driver age can have a significant impact on the cost of Volkswagen GTI auto insurance. For example, 20-year-old drivers pay approximately $1,693 each year for their Volkswagen GTI auto insurance than 30-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 car insurance 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
Not only do good Volkswagen GTI crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Volkswagen GTI auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Volkswagen GTI | N/R | N/R | N/R | 4 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Volkswagen GTI Safety Features
The numerous safety features of the Volkswagen GTI help contribute to lower insurance rates. The 2020 Volkswagen GTI has the following safety features:
- 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 probability varies between different coverage types. The lower percentage means lower Volkswagen GTI auto insurance costs; higher percentages mean higher Volkswagen GTI auto insurance costs.
| 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
If you are financing a Volkswagen GTI, you will pay more if you purchase Volkswagen GTI car insurance at the dealership, so be sure to shop around and compare Volkswagen GTI car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Volkswagen GTI Insurance
Save more on your Volkswagen GTI car insurance rates. Take a look at the following five strategies that will get you the best Volkswagen GTI auto insurance rates possible.
- Remove Young Drivers from Your Volkswagen GTI Insurance When They Move Out or Go to School
- Ask About Volkswagen GTI Low Mileage Discounts
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Check Your Volkswagen GTI Policy Carefully to Ensure All Information is Correct
- Buy Winter Tires for Your 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.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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