Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Aug 27, 2019

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The Volkswagen GTI has won many awards and rave reviews since its introduction, including an annual spot on Car and Driver magazine’s “Ten Best” list since 2007.

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U.S. News and World Report selected it as the “Best Upscale Compact Car for the Money” for 2011 and although the 2011 Volkswagen GTI doesn’t have a hybrid powertrain, reviewers love its excellent fuel economy, athletic performance, and cushy interior.

How much is auto insurance for a Volkswagen GTI?

The base model 2-door Volkswagen GTI starts at $23,695, making it one of the lowest-priced upscale small cars on the market. The GTI’s price can climb quickly, though, when you add extras like an automatic transmission, a sunroof, or a navigation system.

For the base model, the National Automobile Dealers Association (NADA) estimates an average 5-year auto insurance bill of $6,319 for an experienced driver.

A driver with 3-6 years of experience on the road will pay an average 5-year rate of $11,955 to insure a GTI, and new drivers with less than 3 years’ experience can expect 5-year bills around $18,157.

Although having a short driving record can raise your auto insurance rates, upgrading your GTI’s trim level actually lowers your rates, according to the NADA’s data.

For instance, an experienced driver who selects the $30,925 4-door GTI with an Autobahn package and an automatic transmission can anticipate auto insurance bills totaling $5,751, more than $500 less than the estimate for the base model.

New drivers with one or two years’ experience will only pay $16,389 over five years. This estimate is more than $1,500 less than that for the base model.

GTI Auto Insurance Comparison

Projected auto insurance rates for the base model Volkswagen GTI are higher than those for the base model Mini Cooper Countryman, which is a close competitor with the GTI.

The base model Countryman costs only about $5,873 to insure for five years, according to the NADA. This is less than it costs to insure the base model GTI, but slightly more than it costs to insure the higher-priced GTI models.

Anticipated auto insurance rates for the Audi A3, which are $5,725 for five years, are lower than those for the GTI and the Countryman. Those with less than three years of experience on the road can expect to pay closer to $16,363 for five years, though.

Auto insurance costs for the competing Volvo S40 are expected to total $6,344 over five years for those with more than six years’ experience on the road. This is higher than the rates for any of the vehicles evaluated so far, including those for the base model GTI.

These higher rates are most likely due to the S40’s relatively high starting MSRP of $27,750.

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Additional Ownership Costs for the 2011 GTI

In addition to auto insurance premiums, other long-term ownership costs to consider include repairs, maintenance, depreciation, and financing.

The NADA predicts that the typical 2011 Volkswagen GTI owner will pay just over $2,011 in financing costs over five years, but this figure will vary significantly based on your credit score and the size of your down payment.

The NADA also anticipates that the base model GTI will depreciate by about $13,339 over five years, which represents a decline of over 50%.

Volkswagen offers a Carefree Maintenance program that covers all scheduled maintenance for the initial three years or 36,000 miles the GTI is in operation.

A driver who puts 15,000 miles per year on his or her vehicle will begin paying maintenance expenses when the vehicle is between two and three years old, the NADA projects.

The vehicle’s first major tune-up will cost drivers $1,596, and scheduled maintenance expenses are expected to be $545 during year four. The fifth-year the GTI is on the road, drivers can expect to pay roughly $302.

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The 2011 Volkswagen GTI’s New Vehicle Limited Warranty extends for the same period as the Carefree Maintenance program, so drivers can expect to begin footing the bill for repair costs between years two and three, as well.

The NADA expects that year three repair costs will be roughly $433, followed by bills of $721 in year four and year five.

In addition to its limited warranty and carefree maintenance plan, the GTI also comes standard with a 60-month/60,000 mile powertrain warranty and free roadside assistance for as long as the limited warranty is valid.

Volkswagen GTI Crash Test Ratings

The 2011 Volkswagen GTI was tapped as a “Top Safety Pick” by the Insurance Institute for Highway Safety (IIHS).

Volkswagen earned this recognition for the GTI’s excellent performance in the IIHS’ front, rear, rollover, and side impact crash tests, and for equipping all models with electronic stability control.

However, this designation only applies to the 4-door GTI, since the 2-door model was not tested. Other upscale vehicles in the same class who have earned a Top Safety Pick include the Nissan Leaf, the Mini Countryman and the Lexus CT200h.

The 2011 Volkswagen GTI model has not been tested by the federal government yet, but the 2010 model earned impressive ratings.

Safety Features for the GTI

The Volkswagen GTI is equipped with six airbags, anti-lock brakes, and a crash response system that takes precautions like shutting off fuel to the engine and unlocking the GTI’s doors when it senses a crash.

Available bi-xenon headlights improve night vision for GTI drivers.

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