Volkswagen GTI Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2023

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You are not alone if you ever asked yourself, “How music is insurance on a Volkswagen GTI?” While the amount of money you pay varies based on things like your age and location, drivers pay an average of $1,384 a year for full coverage.

In order to help you in your search for cheap Golf GTI insurance rates, we’ve prepared this comprehensive guide. This article will detail exactly how Volkswagen GTI insurance rates are determined so you can shop for a policy like an expert.

You can even start comparing Volkswagen GTI quotes right now by taking advantage of our free online tool.

U.S. average insurance rates for a Volkswagen GTI are $920 a year including full coverage. Comprehensive insurance costs an estimated $132, collision costs $188, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $1,984 or more. 16-year-old drivers pay the highest rates at $3,778 a year or more.

Average premium for full coverage: $920

Price estimates broken down by individual coverage:

Comprehensive $132
Collision $188
Liability $442

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all GTI models.

Price Range from Low to High

For a 40-year-old driver, Volkswagen GTI insurance prices go from the low end price of $496 for just liability coverage to the much higher price of $1,984 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $920
High Risk $1,984

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates how your location can change insurance prices.

Rural Areas $690
Small Cities $966
Large Cities $1,242

The ranges above highlight why everyone should get quotes for a targeted area, rather than using rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below breaks down estimated Volkswagen GTI insurance rates for other coverage scenarios.

  • The best full coverage rate is $563
  • Choosing higher $1,000 deductibles can save approximately $74 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $920
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $140 each year
  • Drivers with multiple tickets or accidents could pay up to $1,984 or more
  • The price that insures a teenage driver for full coverage can cost as much as $3,778 each year

View Chart as Image

Volkswagen GTI insurance cost comparison chart
Column chart showing full coverage Volkswagen GTI insurance prices range from $563 to $3,778

Auto insurance prices for a Volkswagen GTI are also quite variable based on the model of your GTI, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,100 to $1,600 in extra premium each year, depending on your age. Volkswagen GTI insurance for high-risk drivers ranges around 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $3,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen GTI insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,320 on average in Louisiana, New York, and Michigan.

Volkswagen GTI Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $834 -$86 -9.3%
Alaska $708 -$212 -23.0%
Arizona $766 -$154 -16.7%
Arkansas $920 -$0 0.0%
California $1,048 $128 13.9%
Colorado $880 -$40 -4.3%
Connecticut $948 $28 3.0%
Delaware $1,042 $122 13.3%
Florida $1,154 $234 25.4%
Georgia $850 -$70 -7.6%
Hawaii $662 -$258 -28.0%
Idaho $624 -$296 -32.2%
Illinois $686 -$234 -25.4%
Indiana $694 -$226 -24.6%
Iowa $622 -$298 -32.4%
Kansas $876 -$44 -4.8%
Kentucky $1,256 $336 36.5%
Louisiana $1,364 $444 48.3%
Maine $568 -$352 -38.3%
Maryland $762 -$158 -17.2%
Massachusetts $738 -$182 -19.8%
Michigan $1,600 $680 73.9%
Minnesota $770 -$150 -16.3%
Mississippi $1,104 $184 20.0%
Missouri $818 -$102 -11.1%
Montana $990 $70 7.6%
Nebraska $726 -$194 -21.1%
Nevada $1,104 $184 20.0%
New Hampshire $664 -$256 -27.8%
New Jersey $1,030 $110 12.0%
New Mexico $816 -$104 -11.3%
New York $972 $52 5.7%
North Carolina $530 -$390 -42.4%
North Dakota $754 -$166 -18.0%
Ohio $638 -$282 -30.7%
Oklahoma $948 $28 3.0%
Oregon $844 -$76 -8.3%
Pennsylvania $880 -$40 -4.3%
Rhode Island $1,230 $310 33.7%
South Carolina $834 -$86 -9.3%
South Dakota $778 -$142 -15.4%
Tennessee $808 -$112 -12.2%
Texas $1,110 $190 20.7%
Utah $684 -$236 -25.7%
Vermont $630 -$290 -31.5%
Virginia $552 -$368 -40.0%
Washington $714 -$206 -22.4%
West Virginia $844 -$76 -8.3%
Wisconsin $638 -$282 -30.7%
Wyoming $822 -$98 -10.7%

View Chart as Image

Volkswagen GTI insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $220 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Volkswagen GTI Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 4-Dr Hatchback $906 $76
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77
Volkswagen GTI 2.0T 2-Dr Hatchback $920 $77

Rates assume 2002 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen GTI Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Volkswagen GTI $206 $382 $464 $1,210
2012 Volkswagen GTI $202 $356 $474 $1,190
2011 Volkswagen GTI $186 $330 $474 $1,148
2009 Volkswagen GTI $170 $274 $474 $1,076
2007 Volkswagen GTI $154 $224 $468 $1,004
2005 Volkswagen GTI $150 $208 $452 $968
2004 Volkswagen GTI $138 $198 $446 $940
2003 Volkswagen GTI $132 $188 $442 $920

Rates are averaged for all Volkswagen GTI models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Volkswagen GTI Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a summary of the ideas that were illustrated above.

  • Teenagers are the costliest to insure, possibly costing $315 a month if the policy includes full coverage
  • Drivers who have multiple accidents or major violations could be charged and average of $1,060 more annually for car insurance
  • Increasing physical damage deductibles can save approximately $225 each year
  • You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date

To this point, you might have picked up on the fact that insurance companies consider a wide assortment of factors when quoting potential policyholders. You can discover what Volkswagen GTI insurance rates are available to you by using our free quote tool below.

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What are the Volkswagen GTI safety ratings?

Insurance companies will look at the safety features and ratings of the model you drive in order to help them determine how much to charge for your Volkswagen GTI insurance policy.

Take a look at the following safety ratings of the Volkswagen GTI with crash test results conducted by the Insurance Institute for Highway Safety (IIHS).

  • 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

These scores indicate that the Volkswagen GTI received the highest mark possible in each category with the exception of the small overlap on the passenger’s side.

Volkswagen GTI Compared Against Other Vehicles in the Same Class

Classified as a small four-door car, the Volkswagen GTI has a lighter curb weight, which some insurance companies might see as less favorable. However, you can stay up to date on how the Volkswagen GTI stacks up to similar models.

Take a look at the following small four-door cars to see how their average insurance rates compare to the Volkswagen GTI.

When it comes down to the figures, the IIHS reports that the Volkswagen GTI has a bodily injury loss percentage of -30 percent and a property damage loss percentage of -26 percent. These figures are considered well above average for this vehicle class.

Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Volkswagen GTI insurance quotes from multiple companies today.

Rates by Driver Age

Volkswagen GTI Insurance Rates by Driver Age
Driver Age Premium
16 $3,778
20 $2,118
30 $934
40 $920
50 $848
60 $830

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen GTI Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,060
$250 $996
$500 $920
$1,000 $846

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen GTI Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $920
50/100 $1,008
100/300 $1,119
250/500 $1,406
100 CSL $1,053
300 CSL $1,296
500 CSL $1,473

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen GTI Insurance Rates for High Risk Drivers
Age Premium
16 $5,306
20 $3,376
30 $1,996
40 $1,984
50 $1,900
60 $1,880

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $123

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $55
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $40
Online Quote $61
Total Discounts $357
Rate after discounts $563

Discounts are estimated and may not be available from every company or in every state.

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