Volkswagen Beetle Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 8, 2024
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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.
Average auto insurance rates for a Volkswagen Beetle are $1,072 annually for full coverage insurance. Comprehensive costs around $196, collision insurance costs $350, and liability costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $2,322. Teen drivers receive the highest rates at up to $4,144 a year.
Average premium for full coverage: $1,072
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Beetle trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $438 for the bare minimum liability coverage to a much higher rate of $2,322 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates average Volkswagen Beetle insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $625
- Using higher $1,000 deductibles will save about $124 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,072
- Choosing more expensive low deductibles for physical damage coverage will cost $1,310
- Drivers with multiple violations and an at-fault accident could pay at least $2,322
- The cost with full coverage for a teen driver with full coverage can be $4,144 or more
Auto insurance rates for a Volkswagen Beetle can also vary considerably based on the trim level of your Beetle, your risk profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,300 to $1,800 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $370 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $273 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Volkswagen Beetle insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,450 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $970 | -$102 | -9.5% |
| Alaska | $822 | -$250 | -23.3% |
| Arizona | $888 | -$184 | -17.2% |
| Arkansas | $1,072 | -$0 | 0.0% |
| California | $1,222 | $150 | 14.0% |
| Colorado | $1,024 | -$48 | -4.5% |
| Connecticut | $1,100 | $28 | 2.6% |
| Delaware | $1,210 | $138 | 12.9% |
| Florida | $1,338 | $266 | 24.8% |
| Georgia | $992 | -$80 | -7.5% |
| Hawaii | $768 | -$304 | -28.4% |
| Idaho | $724 | -$348 | -32.5% |
| Illinois | $798 | -$274 | -25.6% |
| Indiana | $808 | -$264 | -24.6% |
| Iowa | $722 | -$350 | -32.6% |
| Kansas | $1,018 | -$54 | -5.0% |
| Kentucky | $1,462 | $390 | 36.4% |
| Louisiana | $1,584 | $512 | 47.8% |
| Maine | $662 | -$410 | -38.2% |
| Maryland | $884 | -$188 | -17.5% |
| Massachusetts | $852 | -$220 | -20.5% |
| Michigan | $1,858 | $786 | 73.3% |
| Minnesota | $898 | -$174 | -16.2% |
| Mississippi | $1,282 | $210 | 19.6% |
| Missouri | $952 | -$120 | -11.2% |
| Montana | $1,150 | $78 | 7.3% |
| Nebraska | $844 | -$228 | -21.3% |
| Nevada | $1,284 | $212 | 19.8% |
| New Hampshire | $774 | -$298 | -27.8% |
| New Jersey | $1,198 | $126 | 11.8% |
| New Mexico | $948 | -$124 | -11.6% |
| New York | $1,128 | $56 | 5.2% |
| North Carolina | $616 | -$456 | -42.5% |
| North Dakota | $878 | -$194 | -18.1% |
| Ohio | $738 | -$334 | -31.2% |
| Oklahoma | $1,100 | $28 | 2.6% |
| Oregon | $982 | -$90 | -8.4% |
| Pennsylvania | $1,020 | -$52 | -4.9% |
| Rhode Island | $1,430 | $358 | 33.4% |
| South Carolina | $972 | -$100 | -9.3% |
| South Dakota | $904 | -$168 | -15.7% |
| Tennessee | $938 | -$134 | -12.5% |
| Texas | $1,290 | $218 | 20.3% |
| Utah | $794 | -$278 | -25.9% |
| Vermont | $732 | -$340 | -31.7% |
| Virginia | $642 | -$430 | -40.1% |
| Washington | $828 | -$244 | -22.8% |
| West Virginia | $982 | -$90 | -8.4% |
| Wisconsin | $740 | -$332 | -31.0% |
| Wyoming | $952 | -$120 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Beetle S 2-Dr Hatchback | $1,034 | $86 |
| Volkswagen Beetle 2-Dr Convertible | $978 | $82 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Volkswagen Beetle | $210 | $380 | $390 | $1,116 |
| 2017 Volkswagen Beetle | $196 | $350 | $390 | $1,072 |
| 2016 Volkswagen Beetle | $190 | $328 | $394 | $1,048 |
| 2014 Volkswagen Beetle | $172 | $284 | $402 | $994 |
| 2013 Volkswagen Beetle | $166 | $258 | $406 | $966 |
| 2012 Volkswagen Beetle | $156 | $236 | $402 | $930 |
| 2010 Volkswagen Beetle | $142 | $192 | $398 | $868 |
| 2007 Volkswagen Beetle | $126 | $170 | $380 | $812 |
| 2006 Volkswagen Beetle | $120 | $162 | $376 | $794 |
Rates are averaged for all Volkswagen Beetle models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Volkswagen Beetle Insurance
Saving money on car insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a review of the data illustrated above.
- Policyholders who may need higher liability limits will pay about $430 annually to increase from a minimum limit to higher 250/500 limits
- It is possible to save up to $130 per year just by shopping early and online
- Increasing deductibles could save up to $350 each year
- Teenagers are expensive to insure, costing up to $345 per month if full coverage is included
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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2019 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2018 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2018 Volkswagen Beetle 2 DR FWD | N/R | 4 stars | N/R | 4 stars |
| 2017 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2017 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2016 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2015 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2014 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2013 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Volkswagen Beetle 2 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -15% |
| Property Damage | -23% |
| Comprehensive | -22% |
| Personal Injury | -27% |
| Medical Payment | -39% |
| Bodily Injury | -23% |
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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,144 |
| 20 | $2,478 |
| 30 | $1,108 |
| 40 | $1,072 |
| 50 | $982 |
| 60 | $964 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,200 |
| $500 | $1,072 |
| $1,000 | $948 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,072 |
| 50/100 | $1,039 |
| 100/300 | $1,115 |
| 250/500 | $1,312 |
| 100 CSL | $1,069 |
| 300 CSL | $1,236 |
| 500 CSL | $1,358 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,890 |
| 20 | $3,948 |
| 30 | $2,364 |
| 40 | $2,322 |
| 50 | $2,220 |
| 60 | $2,198 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $56 |
| Multi-vehicle | $58 |
| Homeowner | $17 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $46 |
| Advance Quote | $51 |
| Online Quote | $75 |
| Total Discounts | $447 |
Discounts are estimated and may not be available from every company or in every state.
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