Volkswagen Beetle Insurance Rates
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UPDATED: Jun 6, 2023
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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 insurance prices for a Volkswagen Beetle are $1,166 every 12 months including full coverage. Comprehensive costs on average $218 each year, collision costs $424, and liability coverage is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing around $2,534. 16-year-old drivers receive the highest rates at $4,450 a year or more.
Average premium for full coverage: $1,166
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Beetle models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $434 for just liability coverage to a high rate of $2,534 for high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.
The graphic below illustrates how your location can change car insurance rates.
These examples highlight why all drivers should get quotes based on a specific location and their own driving history, rather than using rate 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.
Detailed Rate Analysis
The chart below breaks down estimated Volkswagen Beetle insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $670
- Choosing higher $1,000 deductibles can save around $146 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,166
- Buying low deductibles for comp and collision coverage increases the price to $1,450
- Drivers with multiple tickets or accidents could pay upwards of $2,534 or more
- The cost to insure a teenage driver may cost $4,450 each year
Insurance rates for a Volkswagen Beetle can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Beetle.
Opting for high physical damage deductibles can save as much as $430 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $270 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,052 | -$114 | -9.8% |
Alaska | $892 | -$274 | -23.5% |
Arizona | $968 | -$198 | -17.0% |
Arkansas | $1,166 | -$0 | 0.0% |
California | $1,328 | $162 | 13.9% |
Colorado | $1,112 | -$54 | -4.6% |
Connecticut | $1,194 | $28 | 2.4% |
Delaware | $1,316 | $150 | 12.9% |
Florida | $1,454 | $288 | 24.7% |
Georgia | $1,076 | -$90 | -7.7% |
Hawaii | $838 | -$328 | -28.1% |
Idaho | $788 | -$378 | -32.4% |
Illinois | $868 | -$298 | -25.6% |
Indiana | $880 | -$286 | -24.5% |
Iowa | $786 | -$380 | -32.6% |
Kansas | $1,106 | -$60 | -5.1% |
Kentucky | $1,588 | $422 | 36.2% |
Louisiana | $1,724 | $558 | 47.9% |
Maine | $720 | -$446 | -38.3% |
Maryland | $962 | -$204 | -17.5% |
Massachusetts | $928 | -$238 | -20.4% |
Michigan | $2,022 | $856 | 73.4% |
Minnesota | $976 | -$190 | -16.3% |
Mississippi | $1,394 | $228 | 19.6% |
Missouri | $1,034 | -$132 | -11.3% |
Montana | $1,250 | $84 | 7.2% |
Nebraska | $918 | -$248 | -21.3% |
Nevada | $1,396 | $230 | 19.7% |
New Hampshire | $842 | -$324 | -27.8% |
New Jersey | $1,300 | $134 | 11.5% |
New Mexico | $1,028 | -$138 | -11.8% |
New York | $1,226 | $60 | 5.1% |
North Carolina | $670 | -$496 | -42.5% |
North Dakota | $954 | -$212 | -18.2% |
Ohio | $804 | -$362 | -31.0% |
Oklahoma | $1,194 | $28 | 2.4% |
Oregon | $1,066 | -$100 | -8.6% |
Pennsylvania | $1,110 | -$56 | -4.8% |
Rhode Island | $1,552 | $386 | 33.1% |
South Carolina | $1,056 | -$110 | -9.4% |
South Dakota | $982 | -$184 | -15.8% |
Tennessee | $1,018 | -$148 | -12.7% |
Texas | $1,404 | $238 | 20.4% |
Utah | $862 | -$304 | -26.1% |
Vermont | $796 | -$370 | -31.7% |
Virginia | $698 | -$468 | -40.1% |
Washington | $896 | -$270 | -23.2% |
West Virginia | $1,068 | -$98 | -8.4% |
Wisconsin | $804 | -$362 | -31.0% |
Wyoming | $1,034 | -$132 | -11.3% |
With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Volkswagen Beetle S 2-Dr Hatchback | $1,122 | $94 |
Volkswagen Beetle 2-Dr Convertible | $1,074 | $90 |
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 |
---|---|---|---|---|
2017 Volkswagen Beetle | $218 | $424 | $388 | $1,166 |
2016 Volkswagen Beetle | $210 | $380 | $390 | $1,116 |
2014 Volkswagen Beetle | $190 | $328 | $394 | $1,048 |
2013 Volkswagen Beetle | $184 | $306 | $402 | $1,028 |
2012 Volkswagen Beetle | $172 | $284 | $402 | $994 |
2010 Volkswagen Beetle | $156 | $236 | $402 | $930 |
2007 Volkswagen Beetle | $140 | $188 | $390 | $854 |
2006 Volkswagen Beetle | $136 | $178 | $384 | $834 |
2004 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 Shop for Cheaper Volkswagen Beetle Insurance
Saving money on auto insurance takes having a decent driving record, having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a condensed summary of the material that was illustrated above.
- Consumers who require additional liability coverage will pay around $430 per year to raise limits from a minimum limit to a 250/500 level
- 16 to 18-year-old drivers pay the highest rates, as much as $371 per month if they have full coverage
- Drivers with multiple at-fault accidents may pay on average $1,370 more each year than a driver with a clean driving record
- Increasing deductibles could save as much as $425 each year
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.
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.
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 | $4,450 |
20 | $2,704 |
30 | $1,208 |
40 | $1,166 |
50 | $1,068 |
60 | $1,050 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,450 |
$250 | $1,318 |
$500 | $1,166 |
$1,000 | $1,020 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,166 |
50/100 | $1,134 |
100/300 | $1,209 |
250/500 | $1,404 |
100 CSL | $1,164 |
300 CSL | $1,329 |
500 CSL | $1,449 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,342 |
20 | $4,314 |
30 | $2,582 |
40 | $2,534 |
50 | $2,420 |
60 | $2,398 |
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 | $62 |
Multi-vehicle | $63 |
Homeowner | $18 |
5-yr Accident Free | $85 |
5-yr Claim Free | $76 |
Paid in Full/EFT | $52 |
Advance Quote | $58 |
Online Quote | $82 |
Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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