Volkswagen GTI Car Insurance Cost 2025
Insuring a Volkswagen GTI usually costs around $2,540 per year through Mercury Insurance Company. However, the actual price may differ depending on factors such as your age, the car’s model year, and other factors. You can utilize the quote tables provided below to obtain a personalized estimate of how much it could cost for you.
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Insuring a Volkswagen GTI is moderately priced compared to other performance hatchbacks. On average, full coverage costs about $2,540 annually, or roughly $212 per month, which is slightly below the national average for similar vehicles . However, premiums can vary significantly based on factors such as the driver’s age, driving history, and location.
instance, younger drivers or those with recent traffic violations may face higher rates. Conversely, individuals with clean driving records and good credit scores may benefit from lower premiums. To secure the most favorable rates, it’s advisable to compare quotes from multiple insurance providers, taking into account available discounts and coverage options.
How Much Does Volkswagen GTI Car Insurance Cost?
Usually, Mercury Insurance Company offers the most affordable option, with an annual cost of approximately $2,540 for full coverage insurance.
It’s important to understand that car insurance rates can vary widely depending on several key factors. These include your location, driving history, the age and model of your vehicle, and the level of coverage you choose. Keeping a clean driving record can help keep your premiums low, while accidents or traffic violations may cause rates to rise.
Living in a high-traffic urban area can also lead to more expensive insurance compared to rural regions with fewer vehicles on the road. Your choice of coverage matters as well—full coverage policies, which include both comprehensive and collision, tend to be more expensive than basic liability coverage.
According to the table below, insurance for a Volkswagen GTI is more affordable than the average for all Volkswagen models—and also lower than the overall average across all car types.
To help you find the most competitive rates, Insuranceopedia offers tools to compare quotes from multiple insurance companies, making it easier to choose the policy that best fits your budget and coverage needs.
| Vehicle | Average Monthly Premium |
| Volkswagen GTI | $167 |
| All Volkswagens | $161 |
| All Cars | $175 |
Average Insurance Cost Of Volkswagen GTI Model Year
| Model Year | Average Premium |
| 2025 Volkswagen GTI | $1,503 |
| 2024 Volkswagen GTI | $997 |
| 2023 Volkswagen GTI | $1,641 |
| 2022 Volkswagen GTI | $1,535 |
| 2021 Volkswagen GTI | $1,021 |
| 2020 Volkswagen GTI | $1,182 |
| 2019 Volkswagen GTI | $1,629 |
| 2018 Volkswagen GTI | $1,335 |
| 2017 Volkswagen GTI | $973 |
| 2016 Volkswagen GTI | $825 |
| 2015 Volkswagen GTI | $932 |
| 2014 Volkswagen GTI | $1,054 |
| 2013 Volkswagen GTI | $997 |
| 2012 Volkswagen GTI | $590 |
| 2011 Volkswagen GTI | $585 |
| 2010 Volkswagen GTI | $804 |
2025 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2025 Volkswagen GTI is $1,502. However, State Farm offers the cheapest rates, averaging $1,122 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,122 |
| Kemper | $1,979 |
| Progressive | $1,721 |
| USAA | $1,164 |
| Allstate | $1,719 |
| GEICO | $1,295 |
| Nationwide | $1,546 |
| Farmers | $1,887 |
| Auto‑Owners | $1,203 |
| Travelers | $1,394 |
2024 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2024 Volkswagen GTI is $997. However, Mercury Insurance Company offers the cheapest rates, averaging $647 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $1,462 |
| Infinity Special | $1,062 |
| Mercury Insurance Company | $647 |
| National General | $817 |
2023 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2023 Volkswagen GTI is $1,641. However, Mercury Insurance Company offers the cheapest rates, averaging $703 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,386 |
| Esurance | $2,158 |
| USAA | $1,881 |
| SECURA Insurance | $1,681 |
| Mercury Insurance Company | $703 |
| AssuranceAmerica Economy | $1,473 |
| Infinity Special | $1,107 |
| West Bend Mutual | $2,058 |
| Western National | $2,105 |
| American Family | $1,855 |
2022 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2022 Volkswagen GTI is $1,535. However, Safeco offers the cheapest rates, averaging $129 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,186 |
| Auto-Owners Insurance Co | $2,278 |
| SECURA Insurance | $1,687 |
| Penn National | $1,545 |
| Safeco | $129 |
| Country | $1,436 |
| Texas Farm Bureau Group | $1,036 |
| Republic Indemnity | $2,204 |
| USAA | $2,180 |
| Erie | $1,673 |
2021 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2021 Volkswagen GTI is $1,535. However, Safeco offers the cheapest rates, averaging $129 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $973 |
| Texas Farm Bureau Group | $1,271 |
| Nationwide | $1,122 |
| Mercury Insurance Company | $1,034 |
| Safeco | $560 |
| Virginia Farm Bureau | $1,013 |
| Erie | $787 |
| Country | $1,193 |
| American National P | $1,189 |
| Infinity Special | $1,072 |
2020 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2020 Volkswagen GTI is $1,182. However, Kemper Auto | Infinity offers the cheapest rates, averaging $336 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $946 |
| New York Central Mutual Fire | $1,764 |
| Unigard | $1,467 |
| Oregon Mutual | $1,129 |
| Kemper Auto | Infinity | $336 |
| PEMCO | $1,107 |
| Safeco | $605 |
| Country | $1,557 |
| Mutual Of Enumclaw | $1,706 |
| Texas Farm Bureau Group | $1,203 |
2019 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2019 Volkswagen GTI is $1,629. However, Clearcover offers the cheapest rates, averaging $716 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,505 |
| Frankenmuth Mutual | $2,068 |
| Westfield | $1,841 |
| MEEMIC Insurance Company | $1,677 |
| Clearcover | $716 |
| Texas Farm Bureau Group | $1,765 |
| Wolverine Mutual | $917 |
| National General | $2,018 |
| Republic Indemnity | $1,997 |
| Dairyland | $1,790 |
2018 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2018 Volkswagen GTI is $1,335. However, Safeco offers the cheapest rates, averaging $304 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,262 |
| Central Mutual Insurance Co | $1,696 |
| Country | $1,521 |
| 21st Century | $1,493 |
| Safeco | $304 |
| New York Central Mutual Fire | $1,296 |
| New Jersey Manufacturers | $1,043 |
| USAA | $1,572 |
| SECURA Insurance | $1,673 |
| Erie | $1,494 |
2017 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2017 Volkswagen GTI is $973. However, Buckeye Insurance Group offers the cheapest rates, averaging $583 per year.
| Insurance Provider | Average Annual Cost |
| Countryway Insurance | $817 |
| Arbella Insurance Group | $1,314 |
| Ohio Mutual Ins Group | $1,247 |
| Texas Farm Bureau Group | $1,037 |
| Safeco | $190 |
| Western Reserve | $964 |
| Buckeye Insurance Group | $583 |
| Celina Insurance Group | $1,245 |
| Cincinnati Insurance | $1,268 |
| Concord Group | $1,063 |
2016 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2016 Volkswagen GTI is $825. However, Safeco offers the cheapest rates, averaging $223 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $556 |
| Celina Insurance Group | $1,155 |
| AssuranceAmerica Economy | $1,070 |
| Western Reserve | $978 |
| Safeco | $223 |
| Dairyland Auto 1 Month | $730 |
| Buckeye Insurance Group | $508 |
| Pekin Insurance | $1,022 |
| West Bend Mutual | $1,061 |
| Texas Farm Bureau Group | $951 |
2015 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2015 Volkswagen GTI is $932. However, Safeco offers the cheapest rates, averaging $73 per year.
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $866 |
| PEMCO | $1,220 |
| North Carolina Farm Bureau | $1,153 |
| Pioneer State Mutual Ins Co | $1,111 |
| Safeco | $73 |
| Plymouth Rock Assurance | $906 |
| American National P | $466 |
| Utica National Ins Group | $1,203 |
| Virginia Farm Bureau | $1,208 |
| SECURA Insurance | $1,110 |
2014 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2014 Volkswagen GTI is $1,054. However, Safeco offers the cheapest rates, averaging $265 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $896 |
| Grange | $1,433 |
| Texas Farm Bureau Group | $1,229 |
| GMAC Insurance Group | $1,084 |
| Safeco | $265 |
| Pioneer State Mutual Ins Co | $1,114 |
| SECURA Insurance | $589 |
| NatGen Advantage | $1,341 |
| 21st Century | $1,354 |
| Southern Farm Bureau | $1,233 |
2013 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2013 Volkswagen GTI is $997. However, Safeco offers the cheapest rates, averaging $64 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $914 |
| Pioneer State Mutual Ins Co | $1,367 |
| Plymouth Rock | $1,264 |
| PEMCO | $1,097 |
| Safeco | $64 |
| North Carolina Farm Bureau | $906 |
| Buckeye Insurance Group | $552 |
| Clearcover | $1,315 |
| Safety Group | $1,332 |
| Mercury Insurance Company | $1,162 |
2012 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2012 Volkswagen GTI is $590. However, American National P offers the cheapest rates, averaging $329 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $456 |
| Patriot Group | $759 |
| MMG Insurance Company | $696 |
| Pekin Insurance | $620 |
| American National P | $329 |
| Mercury Insurance | $569 |
| Kemper Auto | Infinity | $399 |
| Kemper Auto | $693 |
| Countryway Insurance | $726 |
| Concord Group | $656 |
2011 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2011 Volkswagen GTI is $585. However, Kemper Auto | Infinity offers the cheapest rates, averaging $331 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | $356 |
| Victoria | $914 |
| Indiana Farmers Mutual Ins | $648 |
| Buckeye Insurance Group | $611 |
| Dairyland Auto | $332 |
| AssuranceAmerica Economy | $442 |
| Kemper Auto | Infinity | $331 |
| AssuranceAmerica Elite | $712 |
| Westfield | $896 |
| Western Reserve | $609 |
2010 Volkswagen GTI Insurance Rates
The average annual insurance cost for a 2010 Volkswagen GTI is $804. However, Safeco offers the cheapest rates, averaging $269 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $503 |
| Unigard | $1,166 |
| Pekin Insurance | $1,010 |
| PEMCO | $849 |
| Safeco | $269 |
| Infinity Special | $632 |
| Mercury Insurance Company | $464 |
| SECURA Insurance | $1,056 |
| Capital Insurance Group | $1,121 |
| Atlantic States Insurance | $965 |
Find Affordable Volkswagen GTI Car Insurance
Are Volkswagen GTIs Expensive To Insure?
Insuring a Volkswagen GTI is moderately priced compared to other performance hatchbacks. On average, full coverage costs about $2,540 annually, or roughly $212 per month, which is slightly below the national average for similar vehicles. However, premiums can vary significantly based on factors such as the driver’s age, driving history, and location. For instance, younger drivers or those with recent traffic violations may face higher rates. Conversely, individuals with clean driving records and good credit scores may benefit from lower premiums. To secure the most favorable rates, it’s advisable to compare quotes from multiple insurance providers, taking into account available discounts and coverage options.
Cost of Volkswagen GTI Car Insurance By Age
Age is a major factor in how car insurance premiums are calculated. Teen drivers usually face the highest rates because they’re statistically more likely to be involved in accidents. As drivers gain experience and grow older, their risk level decreases, which often leads to lower insurance costs over time.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| 17 | $8,406 | $12,337 | $14,418 |
| 18 | $7,854 | $11,514 | $13,462 |
| 19 | $6,963 | $10,159 | $11,900 |
| 20 | $6,041 | $8,865 | $10,383 |
| 21 | $5,032 | $7,447 | $8,712 |
| 22 | $4,908 | $7,223 | $8,496 |
| 23 | $4,300 | $6,337 | $7,426 |
| 24 | $4,098 | $6,034 | $7,024 |
| 25 | $3,523 | $5,180 | $6,063 |
| 30 | $2,750 | $4,027 | $4,751 |
| 35 | $2,590 | $3,803 | $4,460 |
| 40 | $2,475 | $3,670 | $4,240 |
| 45 | $2,443 | $3,534 | $4,158 |
| 55 | $2,217 | $3,260 | $3,789 |
| 65 | $2,340 | $3,419 | $3,983 |
| 75 | $2,893 | $4,282 | $4,996 |
Volkswagen GTI Car Insurance Rates By State
Your location plays a major role in how insurance providers determine your Volkswagen GTI premium. Since each state sets its own insurance regulations, rates can vary widely. For example, Michigan drivers often face higher premiums due to the state’s requirement for more extensive coverage.
Local weather patterns also affect insurance costs. Areas prone to severe conditions like hurricanes, floods, or heavy snow can lead to increased rates because of the higher risk of damage. In addition, insurers take into account regional data on crime, car accidents, thefts, and traffic fatalities. All of these factors are used to calculate the specific insurance rate for your Volkswagen GTI.
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Alabama | $2,630 | $3,799 | $4,909 |
| Alaska | $2,224 | $3,028 | $2,906 |
| Arizona | $2,483 | $3,567 | $5,248 |
| Arkansas | $2,669 | $4,247 | $4,669 |
| California | $3,008 | $5,330 | $3,024 |
| Colorado | $2,784 | $3,911 | $4,971 |
| Connecticut | $3,564 | $5,512 | $7,079 |
| Delaware | $2,972 | $3,990 | $5,078 |
| Florida | $3,497 | $4,868 | $6,354 |
| Georgia | $2,875 | $4,295 | $4,355 |
| Hawaii | $1,137 | $1,525 | $1,174 |
| Idaho | $2,014 | $2,675 | $3,227 |
| Illinois | $2,063 | $3,176 | $3,632 |
| Indiana | $2,169 | $3,327 | $3,697 |
| Iowa | $1,690 | $2,327 | $2,706 |
| Kansas | $2,224 | $3,269 | $3,831 |
| Kentucky | $3,269 | $4,839 | $5,678 |
| Louisiana | $4,155 | $6,375 | $6,893 |
| Maine | $1,560 | $2,232 | $3,282 |
| Maryland | $2,545 | $3,743 | $4,131 |
| Massachusetts | $2,041 | $3,576 | $2,049 |
| Michigan | $4,930 | $7,603 | $11,922 |
| Minnesota | $2,052 | $2,733 | $3,805 |
| Mississippi | $2,488 | $3,507 | $3,567 |
| Missouri | $2,324 | $3,325 | $4,391 |
| Montana | $2,397 | $3,296 | $3,855 |
| Nebraska | $1,997 | $2,964 | $3,217 |
| Nevada | $3,333 | $4,907 | $5,159 |
| New Hampshire | $2,312 | $3,610 | $4,578 |
| New Jersey | $2,504 | $3,982 | $5,171 |
| New Mexico | $2,590 | $3,838 | $3,988 |
| New York | $2,414 | $3,033 | $5,030 |
| North Carolina | $1,518 | $2,560 | $1,784 |
| North Dakota | $2,059 | $3,072 | $3,665 |
| Ohio | $1,802 | $2,795 | $2,865 |
| Oklahoma | $2,887 | $4,136 | $4,677 |
| Oregon | $2,656 | $3,529 | $4,245 |
| Pennsylvania | $2,243 | $3,221 | $3,810 |
| Rhode Island | $3,711 | $5,426 | $6,119 |
| South Carolina | $2,532 | $3,525 | $4,802 |
| South Dakota | $2,240 | $3,251 | $3,734 |
| Tennessee | $2,622 | $3,898 | $5,195 |
| Texas | $2,662 | $3,855 | $4,826 |
| Utah | $2,271 | $3,193 | $4,352 |
| Vermont | $1,747 | $2,677 | $2,853 |
| Virginia | $1,667 | $2,551 | $2,494 |
| Washington | $2,215 | $2,954 | $3,498 |
| West Virginia | $2,213 | $3,153 | $3,935 |
| Wisconsin | $2,198 | $3,416 | $3,849 |
| Wyoming | $2,043 | $2,867 | $3,035 |
Cheapest Car Insurance Companies For A Volkswagen GTI
Among these providers, Progressive offers the lowest monthly premium at $34, making it the most affordable option for insuring a Volkswagen GTI. On the other end, MetLife has the highest monthly premium at $47 within this selection. The other companies—Commonwealth Casualty, Hugo, and AnswerFinancial—offer competitive rates that fall between these two extremes.
These premiums are influenced by various factors, including the insurer’s assessment of risk associated with performance vehicles like the Volkswagen GTI. It’s advisable to obtain personalized quotes, as premiums can vary based on individual circumstances such as driving history, location, and coverage preferences.
| Insurance Company | Average Monthly Rate |
|---|---|
| Commonwealth Casualty | $35 |
| Hugo | $44 |
| Progressive | $34 |
| MetLife | $47 |
| AnswerFinancial | $38 |
Common Volkswagen GTI Insurance Discounts
Car insurance discounts can be a smart way to reduce your overall premium. While each insurance company offers different savings opportunities, there are several common discounts you may qualify for:
- Multi-policy discount: Bundling your auto insurance with another policy, such as homeowners or renters insurance, often results in a lower rate.
- Annual payment discount: Paying your premium in full rather than in monthly installments can lead to savings.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for a reduced rate.
There are also other potential discounts based on your driving habits, vehicle features, or personal profile. It’s a good idea to speak with your insurance provider to learn which discounts apply to you and how to take advantage of them.
Compare Volkswagen GTI To Other Volkswagen Models
Looking for other Volkswagen model insurance costs?
- Volkswagen Arteon Car Insurance
- Volkswagen Atlas Car Insurance
- Volkswagen Golf Car Insurance
- Volkswagen Jetta Car Insurance
- Volkswagen Passat Car Insurance
- Volkswagen Tiguan Car Insurance
- Volkswagen E-Golf Car Insurance
- Volkswagen Golf R Car Insurance
- Volkswagen Golf Sportwagen Car Insurance
- Volkswagen Atlas Cross Sport Car Insurance
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volkswagen GTI?
Yes, you’ll need to provide proof of insurance before driving your Volkswagen GTI off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your upcoming vehicle purchase, rather than relying on the dealership to arrange insurance. This way, you can ensure you have the coverage you need and may even get better rates.
How Can You Get The Cheapest Insurance For Your Volkswagen GTI?
To find the most affordable insurance rates for your Volkswagen GTI, it’s essential to compare quotes from several auto insurance companies. Thankfully, Insuranceopedia makes this easy by providing a tool that lets you view and compare rates from multiple providers all in one place. This helps you find the best coverage at the lowest price.
