Volkswagen Golf vs Subaru Impreza Insurance Cost

The Volkswagen Golf is cheaper to insure by about $100 a year for full coverage by our estimate ($1,365 vs. $1,465), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Volkswagen Golf	Subaru Impreza	Difference
State minimum	$615	$575	+$40
Standard (100/300/100)	$890	$835	+$55
Full coverage	$1,365	$1,465	−$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Golf minus Impreza.

Why one costs more to insure

Factor	Volkswagen Golf	Subaru Impreza
Segment	Compact car	Compact car
Powertrains	Gasoline, Electric, Diesel	Gasoline
HLDI collision (100 = avg)	—	88
HLDI comprehensive	—	91
HLDI property damage liability	—	89
HLDI bodily injury liability	—	91
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	7	0

Golf vs Impreza insurance by state

State	Golf	Impreza	Difference
Alabama	$1,165	$1,275	−$110
Alaska	$1,190	$1,280	−$90
Arizona	$1,440	$1,540	−$100
Arkansas	$1,165	$1,290	−$125
California	$1,315	$1,425	−$110
Colorado	$1,535	$1,675	−$140
Connecticut	$1,480	$1,555	−$75
Delaware	$1,575	$1,635	−$60
District of Columbia	$1,710	$1,840	−$130
Florida	$2,040	$2,095	−$55
Georgia	$1,740	$1,815	−$75
Hawaii	$925	$1,005	−$80
Idaho	$920	$995	−$75
Illinois	$1,170	$1,270	−$100
Indiana	$960	$1,040	−$80
Iowa	$890	$1,000	−$110
Kansas	$1,055	$1,175	−$120
Kentucky	$1,155	$1,235	−$80
Louisiana	$1,905	$2,030	−$125
Maine	$855	$930	−$75
Maryland	$1,550	$1,645	−$95
Massachusetts	$1,340	$1,435	−$95
Michigan	$1,475	$1,590	−$115
Minnesota	$1,115	$1,230	−$115
Mississippi	$1,285	$1,405	−$120
Missouri	$1,220	$1,335	−$115
Montana	$1,050	$1,175	−$125
Nebraska	$1,055	$1,180	−$125
Nevada	$1,640	$1,680	−$40
New Hampshire	$960	$1,040	−$80
New Jersey	$1,700	$1,765	−$65
New Mexico	$1,215	$1,315	−$100
New York	$1,880	$1,965	−$85
North Carolina	$985	$1,090	−$105
North Dakota	$825	$945	−$120
Ohio	$960	$1,045	−$85
Oklahoma	$1,195	$1,325	−$130
Oregon	$1,260	$1,315	−$55
Pennsylvania	$1,165	$1,275	−$110
Rhode Island	$1,685	$1,765	−$80
South Carolina	$1,495	$1,570	−$75
South Dakota	$980	$1,130	−$150
Tennessee	$1,110	$1,215	−$105
Texas	$1,595	$1,740	−$145
Utah	$1,270	$1,330	−$60
Vermont	$855	$950	−$95
Virginia	$1,175	$1,260	−$85
Washington	$1,215	$1,275	−$60
West Virginia	$1,110	$1,225	−$115
Wisconsin	$915	$1,005	−$90
Wyoming	$1,000	$1,155	−$155

By driver profile (full coverage)

Driver	Golf	Impreza
Teen driver (18, own policy)	$3,760	$4,030
Young adult (22)	$2,190	$2,345
Adult in their 30s	$1,365	$1,465
Adult in their 50s	$1,260	$1,350
Senior (72)	$1,530	$1,640
30s, one at-fault accident	$1,985	$2,125
30s, DUI on record	$2,530	$2,710

More comparisons

Frequently asked questions

Is the Volkswagen Golf or the Subaru Impreza cheaper to insure?

By our estimate the Volkswagen Golf is cheaper, by about $100 a year for full coverage ($1,365 vs. $1,465) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Golf and Subaru Impreza?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 88 and comprehensive indices of n/a vs. 91 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page