Estimates, not quotes

Volkswagen GTI vs Subaru Impreza Insurance Cost

The Volkswagen GTI is cheaper to insure by about $170 a year for full coverage by our estimate ($1,295 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

CoverageVolkswagen GTISubaru ImprezaDifference
State minimum$490$575−$85
Standard (100/300/100)$710$835−$125
Full coverage$1,295$1,465−$170

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

Why one costs more to insure

FactorVolkswagen GTISubaru Impreza
SegmentCompact carCompact car
PowertrainsGasolineGasoline
HLDI collision (100 = avg)7888
HLDI comprehensive8791
HLDI property damage liability6689
HLDI bodily injury liability6391
NHTSA overall rating—5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)10

Collision losses are the biggest swing factor: the Subaru Impreza has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

GTI vs Impreza insurance by state

StateGTIImprezaDifference
Alabama$1,130$1,275−$145
Alaska$1,130$1,280−$150
Arizona$1,360$1,540−$180
Arkansas$1,150$1,290−$140
California$1,260$1,425−$165
Colorado$1,490$1,675−$185
Connecticut$1,365$1,555−$190
Delaware$1,430$1,635−$205
District of Columbia$1,625$1,840−$215
Florida$1,830$2,095−$265
Georgia$1,590$1,815−$225
Hawaii$885$1,005−$120
Idaho$880$995−$115
Illinois$1,125$1,270−$145
Indiana$920$1,040−$120
Iowa$895$1,000−$105
Kansas$1,055$1,175−$120
Kentucky$1,090$1,235−$145
Louisiana$1,790$2,030−$240
Maine$825$930−$105
Maryland$1,445$1,645−$200
Massachusetts$1,265$1,435−$170
Michigan$1,405$1,590−$185
Minnesota$1,095$1,230−$135
Mississippi$1,245$1,405−$160
Missouri$1,185$1,335−$150
Montana$1,055$1,175−$120
Nebraska$1,055$1,180−$125
Nevada$1,465$1,680−$215
New Hampshire$920$1,040−$120
New Jersey$1,540$1,765−$225
New Mexico$1,165$1,315−$150
New York$1,720$1,965−$245
North Carolina$970$1,090−$120
North Dakota$850$945−$95
Ohio$925$1,045−$120
Oklahoma$1,180$1,325−$145
Oregon$1,155$1,315−$160
Pennsylvania$1,135$1,275−$140
Rhode Island$1,545$1,765−$220
South Carolina$1,380$1,570−$190
South Dakota$1,025$1,130−$105
Tennessee$1,080$1,215−$135
Texas$1,545$1,740−$195
Utah$1,165$1,330−$165
Vermont$845$950−$105
Virginia$1,110$1,260−$150
Washington$1,120$1,275−$155
West Virginia$1,095$1,225−$130
Wisconsin$895$1,005−$110
Wyoming$1,045$1,155−$110

By driver profile (full coverage)

DriverGTIImpreza
Teen driver (18, own policy)$3,555$4,030
Young adult (22)$2,070$2,345
Adult in their 30s$1,295$1,465
Adult in their 50s$1,190$1,350
Senior (72)$1,450$1,640
30s, one at-fault accident$1,875$2,125
30s, DUI on record$2,390$2,710

More comparisons

Frequently asked questions

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

By our estimate the Volkswagen GTI is cheaper, by about $170 a year for full coverage ($1,295 vs. $1,465) for a driver in their 30s with a clean record.

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

Mostly because of insurance-loss history: HLDI collision indices of 78 vs. 88 and comprehensive indices of 87 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