Volkswagen Beetle Insurance Rates

Are Volkswagen Beetles expensive to insure compared to other vehicles? What are Volkswagen Beetle convertible insurance rates for a 17-year-old driver? Where can I find an affordable VW Beetle auto insurance company?

When it comes to VW Beetle convertible auto insurance quotes, the average VW Beetle insurance cost is $1,216 a year, or $101 a month.

Our guide can help you find the best, and cheapest, VW Beetle car insurance rates.

Read on to learn more about how your VW Beetle premiums are calculated and how drivers can secure cheap car insurance rates.

To start comparing Volkswagen Beetle convertible insurance rates in your area, enter your five-digit ZIP code into our FREE online quote tool above.

U.S. average auto insurance rates for a Volkswagen Beetle are $1,116 annually with full coverage. Comprehensive insurance costs around $210 a year, collision insurance costs $380, and liability insurance costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs $2,420 or more. Teen drivers pay the highest rates at up to $4,286 a year.

Average premium for full coverage: $1,116

Price estimates for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Beetle trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below details average Volkswagen Beetle insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $648
• Using higher $1,000 deductibles will save about $982 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,116
• Choosing low $100 deductibles for physical damage coverage costs an additional $260 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,420
• The price with full coverage for a teen driver can be $4,286 or more

View Chart as Image

Insurance prices for a Volkswagen Beetle are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $400 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $273 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volkswagen Beetle insurance rates. A driver around age 40 might see prices as low as $800 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,510 on average in Florida, Michigan, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Volkswagen Beetle Insurance

Getting lower rates on Volkswagen Beetle insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief recap of the car insurance concepts touched on in this article.

• High-risk drivers who tend to receive serious violations may pay on average $1,300 more every year than a driver with a clean driving record
• You may be able to save up to $130 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $400 each year
• Drivers who may need additional liability coverage will pay about $430 every year to increase from a low limit to higher 250/500 limits

If your Volkswagen Beetle convertible insurance costs seem high, it may be because of your driving record or age. To find savings on Volkswagen Beetle costs, make sure you are comparing quotes for VW Beetle convertible insurance coverages.

As you’ve learned, your VW Beetle insurance group and your VW Beetle car insurance rates will change depending on the age of your model and the trim level you’ve chosen. The cost of a new VW Beetle convertible for car insurance will be more than an older model.

How much is a punch buggy Convertible? A 2019 model will cost you around $21,000, however remember to factor ini your Volkswagen Beetle car insurance rates when budgeting.

Ready to find out how much does a Volkswagen Beetle Convertible cost in your area? Enter your ZIP code in our free tool below to find out everything from how much is insurance for a 2000 Volkswagen Beetle to how much does a 2005 Volkswagen Beetle cost to insure.

What are the safety ratings of the Volkswagen Beetle Convertible?

Now that we’re answered your questions of how much does a Volkswagen Beetle cost to insure, and how much is a Volkswagen Beetle to maintain, let’s explore safety features and details.

The Volkswagen Beetle insurance cost depends partly on Volkswagen Beetle Convertible safety ratings and features. The Volkswagen Beetle Convertible has some great safety features, such as a rearview camera, blind-spot monitoring, and rear cross-traffic alert.

However, the Insurance Institute for Highway Safety (IIHS) has not crash-tested the convertible model of the VW Beetle. The IIHS has tested the hatchback model, though, which received subpar ratings.

See details about the Volkswagen Beetle Convertible crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.

Volkswagen Beetle Convertible Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. While some of the above crash tests are not for the convertible model, the VW Beetle Bug received mediocre ratings over the years, regardless of the time level.

Volkswagen Beetle Convertible Compared Against Other Vehicles in the Same Class

How much is a VW Beetle convertible’s liability insurance? The cost of VW Beetle convertible car insurance partially depends on the size and class.

The VW Beetle is classified as a small car, so it likely won’t be able to do much damage to other vehicles. Unless it is prone to crashing, it won’t have high rates.

See the Volkswagen Beetle Convertible insurance loss probability details in the table below.

Volkswagen Beetle Convertible Insurance Loss Probability

The higher the percentage, the worst the insurance loss ratio. Unlike the generic VW Beetle, the Volkswagen Beetle Convertible performs above average in every category, making it cheaper to insure.

To see how much is insurance on a convertible VW Beetle in comparison to other small cars, view the list below.

• Honda Civic
• Subaru BRZ
• Volkswagen Beetle

You are now an expert on finding affordable car insurance for the VW Beetle Convertible. Even if you are looking for auto insurance for a 1972 VW Beetle, you should be able to find great auto insurance quotes in your area.

How much does it cost to insure a VW Beetle in your area? Find out by entering your five-digit ZIP code into our FREE online tool and start comparing the best VW insurance group rates.