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Volkswagen Golf GTI Car Insurance Cost

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Looking for a new or used Volkswagen Golf GTI? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Volkswagen Golf GTI insurance facts

  • Average full coverage auto insurance premium: $130/month

  • Most affordable companies: GEICO ($93/month) & Progressive ($100/month)

  • Golf GTI car insurance cost vs. average rate: $19 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volkswagen Golf GTI by model year and auto insurer.

Below average Volkswagen Golf GTI insurer costs by state:

How much does it cost to insure my Volkswagen Golf GTI?

Select the year of your car

2021 Volkswagen Golf GTI

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Average Cost to Insure Per Year

$1,569

List Price

$28,695

Trims Available

S - Sport - SE - Autobahn - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2020 Volkswagen Golf GTI

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Average Cost to Insure Per Year

$1,529

List Price

$28,595

Trims Available

S - Sport - SE - Autobahn - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2019 Volkswagen Golf GTI

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Average Cost to Insure Per Year

$1,438

List Price

$27,595

Trims Available

S - Sport - SE - Autobahn - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2018 Volkswagen Golf GTI

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Average Cost to Insure Per Year

$1,289

List Price

$26,415

Trims Available

S - Sport - SE - Autobahn - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2017 Volkswagen Golf GTI

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Average Cost to Insure Per Year

$1,250

List Price

$24,995

Trims Available

S - Sport - SE - Autobahn

2016 Volkswagen Golf GTI

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Average Cost to Insure Per Year

$1,054

List Price

$24,995

Trims Available

S - SE - Autobahn

2015 Volkswagen Golf GTI

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Average Cost to Insure Per Year

$1,001

List Price

$24,785

Trims Available

S - SE - Autobahn

Risk factors affecting Volkswagen Golf GTI car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Volkswagen Golf GTI car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volkswagen models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volkswagen Automobile Brand

Volkswagen Group is the world's largest automobile manufacturer overtaking Toyota, selling nearly 12 million vehicles worldwide and in the United States market. The target market of Volkswagen is urban and suburban consumers from 24 to 50 years old. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Tiguan, Beetle, Jetta, and Passat are some of their most popular vehicles.

Higher than average Golf GTI repair costs equal higher coverage rates

Many consumers are attracted to the Volkswagen cars for the performance, safety ratings, and driver-assist technologies, such as the forward-collision warning system. Automotive parts are pretty common, but not a cheap as popular vehicles, like Toyota or Honda. Repairing a Volkswagen is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volkswagen's are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Volkswagen Golf GTI affecting auto policies

Volkswagens are one of the fastest depreciating automobiles in the U.S. market, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volkswagen models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Volkswagen's are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (Attentiveness Monitoring), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volkswagen models. The Tiguan, Golf GTI, and Jetta are Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives Volkswagen top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Volkswagen automobile owners when buying a car insurance policy.

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