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.

The average insurance prices for a Volkswagen GTI are $920 every 12 months with full coverage. Comprehensive insurance costs on average $132, collision insurance costs $188, and liability insurance is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $1,984 or more. 16-year-old drivers cost the most to insure at up to $3,778 a year.

Average premium for full coverage: $920

Policy rates by type of insurance:

Comprehensive $132
Collision $188
Liability $442

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all GTI models.

Price Range Variability

For the average 40-year-old driver, Volkswagen GTI insurance rates range from the cheapest price of $496 for basic liability insurance 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

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

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

The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on 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.

Rate Comparisons

The chart below details average Volkswagen GTI insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $563
  • Raising to $1,000 deductibles will save around $74 annually
  • The average price for a good driver age 40 with $500 deductibles is $920
  • Buying pricier low deductibles costs an extra $140 a year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,984
  • Policy cost to insure a teen driver for full coverage may cost $3,778

View Chart as Image

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

Car insurance rates for a Volkswagen GTI also range considerably based on liability limits and deductibles, your driving record, and the trim level of your GTI.

Opting for high physical damage deductibles can reduce rates by up to $220 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 extra every year, depending on your age. Volkswagen GTI insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Volkswagen GTI insurance rates. A middle-age driver might find rates as low as $670 a year in states like New Hampshire, Ohio, and Utah, or at least $1,250 on average in Florida, Michigan, and New York.

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

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 $202 $356 $474 $1,190
2012 Volkswagen GTI $186 $330 $474 $1,148
2011 Volkswagen GTI $182 $300 $478 $1,118
2009 Volkswagen GTI $160 $250 $474 $1,042
2007 Volkswagen GTI $152 $218 $460 $988
2005 Volkswagen GTI $138 $198 $446 $940
2004 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 Shop for Cheaper Volkswagen GTI Insurance

Finding cheaper rates on Volkswagen GTI insurance consists of being a good driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Make time to compare rates every other policy renewal by requesting quotes from direct companies, and also from local exclusive and independent agents.

The following list is a condensed summary of the ideas that were touched on in this article.

  • Drivers age 16 to 20 are expensive to insure, as much as $315 each month if the policy includes full coverage
  • High-risk drivers with multiple at-fault accidents may pay on average $1,060 more each year than a safer driver
  • Increasing comprehensive and collision deductibles could save as much as $225 each year
  • You may be able to save as much as $100 per year just 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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