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Volkswagen Golf GTI Car Insurance

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Key Takeaways

  • Insurance for a Volkswagen Golf GTI will cost $1390 on average.
  • State Farm and Progressive offer the cheapest insurance rates for a Volkswagen Golf GTI.

Considered the best-selling model of Volkswagen, the Golf GTI variant has been in the market for several generations. Observing the general trend, Volkswagen cars have insurance rates often lower than those of other cars that are more expensive to fix or replace. Even though the cars are valued more than usual, insurance rates don't go up due to their security and safety features.

Evolving over seven generations, the price of the Volkswagen Golf GTI starts at $29,880. Here we look at the different factors that determine Volkswagen Golf GTI car insurance costs, the cheapest insurance provider available for the models, the crash test ratings, and the discounts available on insurance for this hot-hatch from Volkswagen.

Volkswagen Golf GTI Car Insurance Cost

It costs around $1390 to insure a Volkswagen Golf GTI with full coverage. This hatchback from Volkswagen is among the affordable models to insure. The monthly rate for full coverage is $121.

Here is a list of general parameters that affect the car insurance cost of Volkswagen Golf GTI models. A teen driver driving a Volkswagen Golf GTI pays the highest insurance rates. However, if you opt for higher deductibles, there is an evident decrease in insurance costs.

Parameter Insurance Cost
Discount Rate $819
High Deductibles $1199
Low Deductibles $1748
High-Risk Driver $2955
Teen Driver $5065

Is the Volkswagen Golf GTI expensive to insure?

The low insurance rates of this Volkswagen hatchback are related to the different safety features associated with it. Comparing it to the other hatchbacks available in the market, we observe that it is slightly more expensive to insure than models like Volkswagen Beetle and Mitsubishi Mirage.

Vehicle Comprehensive Collision Liability
Volkswagen Beetle $286 $548 $338
Mitsubishi Mirage $250 $454 $404
Ford Focus RS $338 $662 $404
Honda Fit $274 $518 $264
Volkswagen Golf R $378 $666 $396
Volkswagen Golf $312 $606 $396

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What impacts the cost of Volkswagen Golf GTI car insurance?

Insurance companies determine the user's insurance premium by weighing driving and non-driving factors. As a result, it varies depending on the driver, the model, and the make of the car. Here, we examine the key elements that affect Volkswagen Golf GTI insurance rates.

Age of the Car

Observing the different models of Volkswagen Golf GTI according to the year, we see the rate difference and how it decreases with older models. For example, insuring a 2014 Volkswagen Golf GTI model will cost $1390, while it will cost $1216 to insure a 2010 model.

Model Year Comprehensive Collision Liability
2014 Volkswagen GTI $256 $530 $458
2013 Volkswagen GTI $246 $500 $460
2012 Volkswagen GTI $236 $448 $466
2011 Volkswagen GTI $220 $413 $466
2010 Volkswagen GTI $212 $388 $470

Age of the Driver

Since age can classify you as a high-risk or low-risk driver, car insurance rates highly depend on the driver's age. For example, due to inexperience, teenage drivers will pay $5064 annually on average, while older drivers pay between $1451 and $1242.

Age Average Annual Premium
Teens $5064
20s $3144
30s $1451
40s $1390
50s $1268
60s $1242

Location of the Driver

Every insurance provider considers accident statistics, theft rates, and the neighborhood population to calculate the premium rates. Considering the location-wise insurance rates for a Volkswagen Golf GTI, we observe that cities like Newyork and Philadelphia have rates higher than the average insurance rate of this hatchback. At the same time, Columbus, Illinois, and Huston pay lower rates for the same model.

City Average Annual Premium
Indianapolis $1182
Seattle $1348
Phoenix $1611
Chicago $1833
Philadelphia $1861
Jacksonville $2013
Houston $2175
New York $2193
Los Angeles $2373
Columbus $1155

Driving Record

Your motor vehicle record decides the price of your car insurance rates. For example, comparing the insurance rates of a Volkswagen Golf GTI, based on age and ticket violations, we observe that younger drivers with reckless driving infractions pay more than older drivers with the same record. However, irrespective of the age and the model of the Golf you own, a driving record with traffic tickets can spike your car insurance rates.

Age Speeding Clean Record
20 $3420 $3144
30 $1578 $1451
40 $1512 $1390
50 $1379 $1268
60 $1351 $1242

Insurance Company

Apart from USAA, which offers insurance premiums to active military members, State Farm and Progressive offers affordable rates for most models. Here is a list of providers offering the best insurance rates for Golf GTI models based on the year of make.

Company Average Annual Insurance Rate
State Farm $1154
Progressive $1026
USAA $990
Nationwide $1311

2017 Volkswagen Golf GTI

The average annual insurance rate of a 2017 Volkswagen Golf GTI is $1256. Progressive and Erie offer the cheapest insurance rates for 2017 models.

Insurance Company Average Annual Insurance Rate
Erie $896
USAA $1061
Texas Farm Bureau $1019
Plymouth Rock Insurance $1161
Progressive $986
State Farm $1117
Acuity $1258
Nationwide $1292
Allied $1302
American Family $1280

2016 Volkswagen Golf GTI

It costs $1060 per year to insure a 2016 model of this hatchback. Erie and Progressive offer the cheapest rates at $771 and $756 among the insurance providers offering affordable rates for this model.

Insurance Company Average Annual Insurance Rate
Erie $771
USAA $874
Texas Farm Bureau $935
Tennesse Farmers $1284
Plymouth Rock Insurance $1151
Progressive $756
State Farm $940
Acuity $1220
Nationwide $1126

2015 Volkswagen Golf GTI

The average annual insurance rate for a 2015 Volkswagen Golf GTI is $1007. Progressive and Texas Farm Bureau offer the cheapest rates for this hatchback.

Insurance Company Average Annual Insurance Rate
Erie $879
USAA $854
Texas Farm Bureau $774
Tennesse Farmers $1064
Plymouth Rock Insurance $1111
Progressive $747
State Farm $818
Acuity $1160
Vermont Mutual $1080

Trim Levels

Trim levels of this hatchback influence insurance rates. For example, a 2021 Volkswagen Golf costs $1274 per year while the 2021 Volkswagen Golf R 4 motion Hatchback trim costs $1520.

How much is 2022 Volkswagen Golf GTI insurance?

Being a newer model, it might seem a costlier model to insure; however, the latest safety features play an important part in lowering the insurance rates.

The GTI S is the least expensive Volkswagen Golf model to insure at an estimated $1,352 per year, or around $118 per month, followed by the GTI SE at $1,436 per year.

The costliest Golf models to insure are the Volkswagen Golf GTI Autobahn and the R trim levels, which cost approximately $1,482 and $1,620 per year, respectively.

2022 Volkswagen Golf GTI Trim Level Annual Policy 6-month Policy Monthly Rate
GTI S $1,352 $679 $118
GTI SE $1,436 $721 $125
GTI Autobahn $1,482 $743 $129
R $1,620 $813 $141

Features of Volkswagen Golf GTI

Volkswagen Golf GTI auto insurance premiums are influenced by the safety features and specifications, which vary with the trim levels. Here we look into the features and safety ratings that influence this hot hatchback insurance premiums.

Safety Features and Safety Ratings

According to the Insurance Institute for Highway Safety data, the different test types carried out have shown good ratings for a Volkswagen Golf GTI.

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

Moreover, the numerous safety features of a Volkswagen Golf GTI not only ensure safety but also assures a lower insurance rating. These are the salient safety features hosted on a Volkswagen Golf GTI.

  • Travel Assist
  • Adaptive Cruise Control (ACC)
  • Active Blind Spot Monitor
  • Rear Traffic Alert
  • Front Assist
  • Emergency Assist (automatic transmission only)
  • Lane Assist
  • Rearview camera system
  • Intelligent Crash System
  • Automatic Post Collision Braking System
  • Six-stability-enhancing systems
  • 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

Volkswagen Golf GTI Car Insurance Loss Probability

The insurance loss probability for the Volkswagen Golf GTI varies depending on the coverage type, as indicated by the Insurance Institute for Highway Safety data. Unfortunately, no data is available on the loss rate of property damage, personal injury, and medical payment.

Insurance Coverage Category Loss Rate
Collision 30%
Comprehensive 14%

Volkswagen Golf GTI Crash Test Ratings

National Highway Traffic Safety Administration gives the rating for crash tests, which greatly impacts your insurance rates.

Vehicle Tested Overall Rating Frontal Side Rollover
Volkswagen GTI 5 stars 5 stars 5 stars 4 stars

Ways to Save on Volkswagen Golf GTI Car Insurance

There are several hacks that can be used to save on your Volkswagen Golf GTI insurance. First, shopping around for insurance quotes with different providers can give you a head start on getting the affordable option for you. This is one of the many methods that will help you reduce the insurance premium rates.

  • Compare and Purchase

Thorough online research can help you choose the best insurance provider that suits your needs.

  • Look for Discounts

Always look for discounts when you are purchasing insurance. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates. Different providers also offer pay-in-full discounts.

  • Make Use of Student Discounts

If you are a young driver, you can always use good student discounts and bundle your policies to reduce the premiums. You can also associate your policy with your parents', which will result in a good reduction in the premium rates.

  • Increase your Deductible

Even though a higher deductible can reduce your accident claim, it can also reduce vehicle insurance premiums. To make it a feasible option, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Improve your Credit Score

If you are looking for an affordable quote for your Volkswagen Golf GTI, then improving and maintaining your credit score can fetch you better rates. In those states that allow credit scores to calculate insurance rates, we observe that it will cost at least $240 more if you have a low credit score.

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Bottom Line

You must maintain a flawless driving record to keep your car insurance rates minimum. However, since Volkswagen Golf GTI is cheap to insure, one can shop around and ensure that they get the appropriate discounts and get a lower insurance premium.

How to get Volkswagen Golf GTI Car Insurance with

It is wise to conduct research before choosing your insurance company. Doing your research by analyzing the quotes after obtaining them online will reward you with better coverage at a lower price. gives you a head start with its study of the finest vehicle insurance providers nationwide based on factors such as financial stability, customer support, protection, and pricing.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

How much is insurance for a Golf GTI?

It costs around $1390 to insure a Volkswagen Golf GTI with full coverage. The monthly rate for full coverage is $121.

Is Chevrolet Tahoe reliable?

The Chevy Tahoe has a relatively low-reliability rating compared to other midsize SUVs.

What is the average insurance cost for Golf GTI?

The average insurance cost for a Golf GTI is $1390 for full coverage.

Is a Golf GTI considered a sports car by insurance?

Though Golf GTI from Volkswagen is considered a sports car by insurance companies, it primarily falls under the hot hatch category. Hence the insurance rates are calculated based on the trim levels and the models which deliver performance like a sports car.

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