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.

Average insurance rates for a Volkswagen Beetle are $1,072 a year for full coverage. Comprehensive insurance costs on average $196 a year, collision costs $350, and liability costs $390. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $2,322 or more. Teenage drivers receive the highest rates at $4,144 a year or more.

Average premium for full coverage: $1,072

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Beetle trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

These examples show why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Volkswagen Beetle insurance rates for different risk profiles and scenarios.

• The best discount rate is $625
• Drivers who choose higher $1,000 deductibles will pay around $948 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,072
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $238 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,322 or more
• The cost for full coverage for a 16-year-old driver may cost $4,144 a year

View Chart as Image

Car insurance rates for a Volkswagen Beetle can also vary considerably based on your driver profile, the trim level of your Beetle, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,100 a year. View Rates by Age

Where you live makes a big difference in Volkswagen Beetle insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $370 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

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 Find Cheaper Volkswagen Beetle Insurance

Saving money on insurance for a Volkswagen Beetle not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates at least once a year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following list is a condensed summary of the primary concepts that were presented in the illustrations above.

• Drivers can save as much as $130 per year simply by quoting early and online
• Drivers considered higher risk with multiple at-fault accidents will pay on average $1,250 more each year than a safer driver
• Increasing deductibles can save around $350 each year
• Drivers age 16 to 20 are expensive to insure, costing as high as $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.

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.