Auto Insurance Costs For A New Gti Owner

The cost of auto insurance for a Volkswagen Golf GTI varies depending on factors such as the driver's age, location, driving history, and model year of the car. On average, the insurance rate for a Volkswagen GTI is around $158 per month, with liability insurance costing approximately $78 per month and full coverage costing about $178 per month. The cheapest insurance company for the Volkswagen GTI is Progressive, offering insurance from $33 to $36 per month.

Average insurance rates for a Volkswagen GTI

The average cost of insurance for a Volkswagen GTI varies depending on the year of the model, the driver's age, location, driving history, education, marital status, and other factors.

For a 2021 model, the average insurance cost is $1,890 per year, or $158 per month for full coverage. The cheapest insurance for this model is on the 2.0 S Hatchback, at an average of $1,806 per year. The average cost of insurance for a 2017 model is $1,250 per year, while for a 2015 model, it is $1,001 per year. The average insurance cost for a 2024 model is $673 per year, while for a 2022 model, it is $131 per year.

The average monthly cost to insure a Volkswagen GTI is $180.12, or $2,161.38 a year. However, this cost can be cheaper for older models, and it depends on specific factors such as driving history, annual mileage, location, and others. For example, Progressive is the cheapest insurance company for a Volkswagen GTI, with a monthly cost of $33-$36.

Cheapest insurance companies for a Volkswagen GTI

The average cost of insurance for a Volkswagen GTI varies depending on the year of the model, the driver's age, location, driving history, and other factors.

For a 2021 Volkswagen GTI, the average insurance rate is $178 per month for full coverage and $78 per month for liability-only insurance. The cheapest insurance company for a 2021 GTI is Amica, with rates as low as $37 per month.

For a 2020 Volkswagen GTI, the average insurance cost is $186 per month for full coverage and $74 per month for liability-only coverage. SafeAuto offered the lowest rates for a 2020 model, with prices as low as $45 per month.

For a 2019 Volkswagen GTI, the average insurance rate is $186 per month for full coverage and $84 per month for liability-only coverage. The cheapest insurance company for this model year is Liberty Mutual, with rates starting at $26 per month.

For a 2018 Volkswagen GTI, the average insurance cost is $183 per month for full coverage and $74 per month for liability-only coverage. Liberty Mutual again offers the lowest rates, with prices as low as $27 per month.

For a 2017 Volkswagen GTI, the average insurance rate is $177 per month for full coverage and $71 per month for liability-only coverage. Metromile offered the cheapest rates for this model, with prices starting at $25 per month.

For a 2016 Volkswagen GTI, the average insurance cost is $170 per month for full coverage and $65 per month for liability-only coverage. Liberty Mutual has the lowest rates, with prices starting at $23 per month.

For a 2015 Volkswagen GTI, the average insurance rate is $172 per month for full coverage and $63 per month for liability-only coverage. Mercury offered the cheapest rates for this model year, with liability-only coverage as low as $21 per month.

For a 2014 Volkswagen GTI, the average insurance cost is $194 per month for full coverage and $52 per month for liability-only coverage. Mercury again offered the lowest rates, with prices starting at $28 per month.

For a 2013 Volkswagen GTI, the average insurance rate is $186 per month for full coverage and $83 per month for liability-only insurance. The cheapest insurance company for this model is Liberty Mutual, with rates as low as $20 per month.

For a 2012 Volkswagen GTI, the average insurance cost is $190 per month for full coverage and $84 per month for liability-only coverage. Elephant Insurance offered the lowest rates for the 2012 model, with prices starting at $21 per month.

For a 2011 Volkswagen GTI, the average insurance rate is $207 per month for full coverage and $95 per month for liability-only coverage. Mercury offered the cheapest insurance for this model, with rates as low as $23 per month.

For a 2010 Volkswagen GTI, the average insurance cost is $177 per month for full coverage and $92 per month for liability-only coverage. Commonwealth Casualty has the lowest rates, with prices starting at $21 per month.

It's important to note that insurance rates may vary based on individual factors, and it's recommended to shop around and compare quotes from multiple insurance providers to find the best rates.

How age affects Volkswagen GTI insurance rates

Age is a significant factor in determining the cost of auto insurance for a Volkswagen GTI. The average insurance cost for a Volkswagen GTI is $2,161.38 per year or $180.12 per month for a 30-year-old driver. However, the cost of insurance can vary depending on the driver's age group. For example, a 40-year-old driver may be subject to different rates than a younger driver. Additionally, factors such as driving history, location, annual mileage, and specific circumstances can also influence the cost of insurance.

The cost of insurance for a Volkswagen GTI can vary by model year. For instance, the average cost to insure a 2024 Volkswagen GTI is $673 per year, while the average cost for a 2023 model is $673, and the rate for a 2022 model is $131 per year. The rates tend to decrease for older models, with the 2011 Volkswagen GTI having an average insurance cost of $858 per year.

Location also plays a crucial role in determining insurance rates. For example, insurance rates are higher in Michigan due to mandated higher coverage levels. On the other hand, states like California, Hawaii, and Massachusetts do not allow providers to adjust rates based on credit history. Therefore, age, model year, and location collectively influence the cost of auto insurance for a Volkswagen GTI.

It is worth noting that insurance rates for a Volkswagen GTI are generally lower than the average vehicle insurance cost. The safety features and ratings of the Volkswagen GTI can also impact insurance rates, with its strong safety performance in crash tests and safety features such as lane departure warning and blind-spot monitoring.

In conclusion, age, along with other factors such as location, driving history, and model year, significantly influence the cost of auto insurance for a Volkswagen GTI. Comparing quotes from different providers and considering the safety features of the vehicle can help drivers find the most cost-effective insurance option for their GTI.

How gender affects Volkswagen GTI insurance rates

The cost of insuring a Volkswagen GTI varies depending on factors such as age, state, insurance company, mileage, and driving history. The average insurance cost for a Volkswagen GTI is $2,161.38 a year or $180.12 per month. However, the cost of insurance can also vary based on gender.

In most states, car insurance companies are allowed to consider gender when setting car insurance rates. While men and women generally pay about the same amount for car insurance, there is a slight difference in rates, with women paying slightly less than men. This difference is more pronounced among younger drivers, with teenage boys paying the most for car insurance. As drivers age, the gender gap in insurance rates narrows, with rates becoming nearly identical around age 35. However, as drivers get older, women may start paying less again.

The reason for the gender disparity in insurance rates is that men are generally riskier to insure. They tend to drive more miles and are more likely to engage in risky driving behaviors, such as speeding, driving under the influence, and not wearing seatbelts. According to the Insurance Institute for Highway Safety (IIHS), men are twice as likely as women to die in car crashes.

It is important to note that some states, such as California, Hawaii, and Massachusetts, do not allow insurance providers to adjust rates based on gender or credit history. In these states, insurance rates are not affected by gender.

How location affects Volkswagen GTI insurance rates

The cost of insuring a Volkswagen GTI varies depending on several factors, including the driver's age, location, driving history, and mileage. While the average cost of insurance for a Volkswagen GTI is around $2,161 per year, this figure can vary significantly depending on the driver's location.

For example, in states like Michigan, car insurance rates tend to be higher due to mandated higher coverage levels. On the other hand, states like California, Hawaii, and Massachusetts do not allow providers to adjust rates based on credit history, which can result in lower insurance costs for some drivers.

Additionally, insurance rates can vary between different providers for the same coverage. It is always a good idea to compare quotes from multiple providers to ensure you are getting the best rate.

Other factors that can affect insurance rates include the age of the vehicle and safety features. Older models of the Volkswagen GTI may have lower insurance rates, and safety features such as lane departure warning and blind-spot monitoring can help reduce insurance costs.

Overall, the location of the driver plays a significant role in determining the cost of insuring a Volkswagen GTI, along with other factors such as age, driving history, and vehicle specifications.

Frequently asked questions