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 including full coverage. Comprehensive insurance costs around $210 a year, collision insurance costs $380, and liability coverage is estimated at $390. Liability-only insurance costs approximately $438 a year, and high-risk driver insurance costs $2,420 or more. Teenage drivers pay the highest rates at up to $4,286 a year.

Average premium for full coverage: $1,116

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Beetle trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $648
• Choosing higher $1,000 deductibles can save about $982 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,116
• Using low $100 deductibles for comp and collision coverage costs an additional $260 each year
• Drivers who are prone to accidents and violations could pay at least $2,420
• The price with full coverage for a teenage driver can be $4,286 each year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $400 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,590 on average in Michigan, New York, and Louisiana.

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 Cheapest Volkswagen Beetle Insurance

Getting lower rates on auto insurance takes having a decent driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to shop around once a year by getting 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 recap of the data that was raised in the charts and tables above.

• You may be able to save up to $130 per year just by quoting early and online
• Consumers who may need additional liability coverage will pay an extra $430 per year to raise limits from a low limit to higher 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $357 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may pay on average $1,300 more every year than a driver with a clean driving record

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.