Volkswagen GTI Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Volkswagen GTI costs about the same as insuring the average car.
• Liability auto insurance for a GTI runs around $78 monthly, while full coverage typically tends to be about $178.
• At as cheap as just $45 per month for liability only coverage, Foremost is the most affordable insurance carrier for a GTI.

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GTI Overview

Coming in with a base MSRP of $28,695 for 2021 models, the Volkswagen GTI is a great car for all budgets.

Based on thousands of car insurance quotes from Compare.com, we've found that Volkswagen GTI auto insurance rates run around $158 a month, on average. But compared to other vehicles in the market, are GTI car insurance prices higher or lower than those of similar cars?

How Much is Car Insurance for a Volkswagen GTI?

You can see in the table above that insurance premiums for a Volkswagen GTI are about average compared to other vehicles on the road. GTI owners can expect to pay around $178 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $78 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the GTI is on par with Volkswagen's vehicle offerings. Likewise, compared to other vehicles of a similar body style, GTI coverage runs close to average, with full coverage insurance rates coming in at $1 higher than other cars and liability insurance prices at $5 cheaper.

The same applies when comparing the Volkswagen GTI to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Volkswagen GTI?

In the market for an auto insurance policy for your Volkswagen GTI? You're likely interested in which company offers the lowest prices. Even though costs will usually be pretty different from driver to driver, the lowest average rates for liability only insurance are as little as $37 a month from Commonwealth Casualty and AnswerFinancial.

Hugo, MetLife, and Foremost finish off the rest of the top 5. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Volkswagen GTI.

Auto insurance carriers take many things into consideration when calculating monthly prices. The only way to guarantee you find the cheapest rates is to compare quotes from several car insurance companies.

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What Factors Affect Car Insurance Rates for a Volkswagen GTI?

There are an array of variables that insurance carriers use to decide how much to charge you for a policy -- and every carrier weighs different attributes more heavily than others, so there's not one single company that's the lowest for everyone.

The sections below show a variety of factors auto insurance companies use to calculate rates:

Vehicle Age

Volkswagen has been making the GTI for quite some time -- and that means the car's age may make a difference in how much you'll pay for insurance. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and GTIs begin to depreciate, insurance costs will gradually go down.

As you can see in the table above, the Volkswagen GTI bucks the trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest GTIs are 2 to 3 years old, on average.

Your Age

Your age is another variable that makes a big difference in how much you pay for car insurance. As you can see in the table above, those with more experience pay less compared to younger GTI drivers. Volkswagen GTI drivers between 18 and 24 actually pay $42 more than those 25 or older.

Insurance prices continue to go lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the GTI.

Your Gender

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, women normally pay less for auto insurance than men. The Volkswagen GTI follows this convention, and men pay about 27% more than women per month for insurance.

Where You Live

You might think it's common sense that things such as what vehicle you drive and how old you are play a role in your car insurance premiums, but did you know that where you live is equally important? Car insurance is regulated at the state level, so rates vary quite a bit from state to state.

For example, the average Volkswagen GTI owner from New York pays around $172 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay less than 50% of that price. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

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Volkswagen GTI Car Insurance Discounts

Regardless of where you live, which car you drive, or how old you are, it's always in your best interest to take advantage of as many auto insurance discounts as possible.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than in monthly installments
• Multi-vehicle discounts for adding more than one car to your auto policy

These are just a few of the discounts insurance companies offer, and sometimes, it's actually your insurance profile and driving history that get you the most affordable rates.

Of course, you can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the ones you can use to your advantage in order to save money on insurance:

Your Driving Record

It's no secret that auto insurance carriers offer the most affordable premiums to drivers with clean records. And you're probably not surprised to hear that if you get into an accident or get tickets for speeding, car insurance prices will go higher. But you still might be left wondering exactly how much these infractions will cost you.

As you can see, accidents will usually cost GTI drivers more than tickets, but both will result in higher than normal rates. Volkswagen GTI drivers with one ticket will pay an average of $91 per month, while drivers with a single accident on their record pay about $100 each month (up $22 from the $78/mo. overall average). The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

The total distance you drive each year affects your auto insurance rates. Those who drive less often are less likely to get speeding tickets, so they'll generally be offered lower prices. In the above table, you can see that Volkswagen GTI owners who drive less than 2,500 miles pay $84 for insurance, while those who drive between 2,500 and 5,000 miles a year pay about $66 monthly.

If you don't drive much because you work from home or have a second vehicle, you might consider getting a usage-based or pay-per-mile car insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volkswagen GTIs Compare to Other Vehicles?

If you're considering buying a Volkswagen GTI, it might be helpful to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Visit the table below to see how the Volkswagen GTI compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Volkswagen GTI is a fantastic value for any budget. While the national average vehicle price is $46,296, the GTI retails at just $28,695.

In the same fashion, insurance premiums run slightly below average when compared to other vehicles on the market. Full coverage insurance for a Volkswagen GTI is about $6 per month more than average, while liability only coverage is more than $20 less a month.

When it comes to usage, Volkswagen GTI drivers are far from the national average in annual miles driven, with 10,243 miles every year compared to 11,617 for all vehicles.

Volkswagen GTI Car Insurance Costs by Model Year

You've seen how different factors can affect a driver's car insurance rates. If you're in the market for a new car, truck, or SUV and the GTI is on your wishlist, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your options.

Choose Your Model

2021 Volkswagen GTI Car Insurance 2020 Volkswagen GTI Car Insurance 2019 Volkswagen GTI Car Insurance 2018 Volkswagen GTI Car Insurance 2017 Volkswagen GTI Car Insurance 2016 Volkswagen GTI Car Insurance 2015 Volkswagen GTI Car Insurance 2014 Volkswagen GTI Car Insurance 2013 Volkswagen GTI Car Insurance 2012 Volkswagen GTI Car Insurance 2011 Volkswagen GTI Car Insurance 2010 Volkswagen GTI Car Insurance

2021 Volkswagen GTI Car Insurance

On average, drivers who own a 2021 GTI can expect to pay $60 to $175 monthly for liability only and full coverage insurance, respectively.

If you're looking for the most affordable 2021 Volkswagen GTI insurance policy, Amica offered the cheapest policy we found, with rates as low as $37 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2020 Volkswagen GTI Car Insurance

The average cost to insure a 2020 Volkswagen GTI with liability only coverage is $74 a month, while full coverage runs around $186 monthly.

With premiums as cheap as $45 per month, SafeAuto offered the lowest policy we found for the 2020 Volkswagen GTI.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple customized quotes for free.

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2019 Volkswagen GTI Car Insurance

2019 GTI drivers can expect to pay an average of $84 a month for liability or $186 for full coverage.

Liberty Mutual offered the most affordable policy we found, with rates as low as just $26 per month.

If you want to find the best rates for auto insurance for a 2019 Volkswagen GTI, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.

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2018 Volkswagen GTI Car Insurance

You can expect full coverage for a 2018 Volkswagen GTI to run about $183 monthly, while liability only coverage will average around $74 a month.

We found Liberty Mutual offered the cheapest policy, with rates sometimes as little as $27 monthly.

If you want to find the best premiums for car insurance for a 2018 Volkswagen GTI, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2017 Volkswagen GTI Car Insurance

It costs about $71 a month for liability or $177 for a full coverage policy for the 2017 GTI.

MetroMile has prices as little as just $25 per month for the 2017 Volkswagen GTI.

While these are good estimates of what the average driver might pay to insure a 2017 Volkswagen GTI, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2016 Volkswagen GTI Car Insurance

The average cost to insure a 2016 Volkswagen GTI with liability only coverage is $65 a month, while full coverage runs around $170 monthly.

With prices sometimes as low as $23 per month, Liberty Mutual offered the lowest policy we found.

Want to know exactly what your auto insurance premium will be? Enter your ZIP code below to get a variety of free personalized quotes.

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2015 Volkswagen GTI Car Insurance

You can expect full coverage for a 2015 GTI to run about $172 monthly, while liability only coverage will average around $63 per month.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as cheap as $21 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2014 Volkswagen GTI Car Insurance

2014 Volkswagen GTI drivers can expect to pay an average of $52 monthly for liability or $194 for full coverage.

With rates as cheap as just $28 a month, Mercury offered the most affordable policy we found for the 2014 Volkswagen GTI.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2013 Volkswagen GTI Car Insurance

On average, drivers who own a 2013 GTI can expect to pay $83 to $186 per month for liability only and full coverage insurance, respectively.

We found Liberty Mutual offered the cheapest policy, with rates as little as $20 a month.

Want to know just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a bunch of personalized quotes from the nation's top insurance companies.

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2012 Volkswagen GTI Car Insurance

It costs about $84 monthly for liability or $190 for a full coverage policy for the 2012 Volkswagen GTI.

Looking for the most affordable policy? Elephant offered liability only coverage for sometimes as cheap as $21 per month.

These average premiums are a great starting point if you're in the market for a 2012 Volkswagen GTI, but there are a whole range of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2011 Volkswagen GTI Car Insurance

You can expect full coverage for a 2011 GTI to run around $207 a month, while liability only coverage will average about $95 monthly.

With rates as cheap as $23 per month, Mercury offered the lowest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2010 Volkswagen GTI Car Insurance

On average, drivers who own a 2010 Volkswagen GTI can expect to pay $92 to $177 a month for liability only and full coverage car insurance, respectively.

Commonwealth Casualty has prices as low as $21 per month for the 2010 Volkswagen GTI.

Interested in what your auto insurance premium could look like? Get lots of free customized quotes by just entering your ZIP code below.

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Volkswagen GTI Insurance FAQs

Is a Volkswagen GTI expensive to insure?

Liability insurance runs an average of $78 monthly, while full coverage will cost you around $178. It costs about the same to insure a Volkswagen GTI as insuring the average vehicle. car.

How can I get the best price on car insurance for my Volkswagen GTI?

There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from numerous carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Volkswagen GTI affect my insurance prices?

You might have heard that it costs more to insure red cars than silver or white ones, but that's actually not the case. While there are several factors insurance carriers look at when they calculate your premiums, your Volkswagen GTI's color is not on that list.

Do I need to have insurance before I buy a Volkswagen GTI?

Before you can legally drive your new (or new to you) GTI off the dealership lot, you'll need to have a valid car insurance policy. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a a new car is to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Volkswagen GTI?

You will find all sorts of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your car and more on you, but if your GTI has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about their discounts.