Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Volkswagen Golf GTI insurer costs by state:

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.

2021 Volkswagen Golf GTI

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1964
Allied$2001
Allstate$1625
American Family$1532
Amica$2136
Country Financial$1703
Erie$1290
GEICO$1123
Kentucky Farm Bureau$1716
Liberty Mutual$1368
Mercury$1588
Nationwide$1420
Progressive$1203
State Farm$1244
Tennessee Farmers$1546
Texas Farm Bureau$1469
The Hanover$1835
Travelers$1647

Compare all 2021 Volkswagen Golf GTI rates

Average Cost to Insure Per Year

$1569

List Price

$28695

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1659
Allstate$1389
American Family$1243
Country Financial$1557
Erie$1087
GEICO$953
Kentucky Farm Bureau$1635
Liberty Mutual$1132
Mercury$1348
Nationwide$1164
Progressive$969
State Farm$1003
Tennessee Farmers$1302
Texas Farm Bureau$1138
The Hanover$1643
Travelers$1482

Compare all 2020 Volkswagen Golf GTI rates

Average Cost to Insure Per Year

$1529

List Price

$28595

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1633
Allstate$1350
American Family$1204
Country Financial$1541
Erie$1026
GEICO$923
Kentucky Farm Bureau$1591
Liberty Mutual$1056
Mercury$1309
Nationwide$1105
Progressive$946
State Farm$987
Tennessee Farmers$1256
Texas Farm Bureau$1114
The Hanover$1615
Travelers$1426

Compare all 2019 Volkswagen Golf GTI rates

Average Cost to Insure Per Year

$1438

List Price

$27595

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1620
Allstate$1329
American Family$1184
Country Financial$1536
Erie$956
GEICO$880
Kentucky Farm Bureau$1580
Liberty Mutual$1024
Mercury$1287
Nationwide$1066
Progressive$899
State Farm$936
Tennessee Farmers$1243
Texas Farm Bureau$1145
The Hanover$1600
Travelers$1420

Compare all 2018 Volkswagen Golf GTI rates

Average Cost to Insure Per Year

$1289

List Price

$26415

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1252
Acuity$ 1252
Allied$ 1296
Allied$ 1296
American Family$ 1274
American Family$ 1274
Erie$ 890
Erie$ 890
GEICO$ 945
GEICO$ 945
Nationwide$ 1286
Nationwide$ 1286
Plymouth Rock Insurance$ 1156
Plymouth Rock Insurance$ 1156
Progressive$ 982
Progressive$ 982
State Farm$ 1111
State Farm$ 1111
Texas Farm Bureau$ 1013
Texas Farm Bureau$ 1013
USAA$ 1056
USAA$ 1056
Vermont Mutual$ 1190
Vermont Mutual$ 1190

Compare all 2017 Volkswagen Golf GTI rates

Average Cost to Insure Per Year

$ 1250

List Price

$ 24995

Trims Available

S - Sport - SE - Autobahn

2016 Volkswagen Golf GTI

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1214
Acuity$ 1214
American Family$ 1214
American Family$ 1214
Erie$ 765
Erie$ 765
GEICO$ 639
GEICO$ 639
Nationwide$ 1120
Nationwide$ 1120
Plymouth Rock Insurance$ 1145
Plymouth Rock Insurance$ 1145
Progressive$ 750
Progressive$ 750
State Farm$ 934
State Farm$ 934
Tennessee Farmers$ 1278
Tennessee Farmers$ 1278
Texas Farm Bureau$ 929
Texas Farm Bureau$ 929
USAA$ 868
USAA$ 868
Vermont Mutual$ 1141
Vermont Mutual$ 1141

Compare all 2016 Volkswagen Golf GTI rates

Average Cost to Insure Per Year

$ 1054

List Price

$ 24995

Trims Available

S - SE - Autobahn

2015 Volkswagen Golf GTI

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1154
Acuity$ 1154
American Family$ 1172
American Family$ 1172
Country$ 1206
Country$ 1206
Erie$ 873
Erie$ 873
GEICO$ 612
GEICO$ 612
Plymouth Rock Insurance$ 1105
Plymouth Rock Insurance$ 1105
Progressive$ 741
Progressive$ 741
State Farm$ 812
State Farm$ 812
Tennessee Farmers$ 1058
Tennessee Farmers$ 1058
Texas Farm Bureau$ 768
Texas Farm Bureau$ 768
USAA$ 849
USAA$ 849
Vermont Mutual$ 1074
Vermont Mutual$ 1074

Compare all 2015 Volkswagen Golf GTI rates

Average Cost to Insure Per Year

$ 1001

List Price

$ 24785

Trims Available

S - SE - Autobahn