Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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U.S. average insurance prices for a Volkswagen Beetle Convertible are $1,024 every 12 months for full coverage. Comprehensive costs approximately $230, collision costs $380, and liability costs $304. A policy with just liability insurance costs as little as $346 a year, with coverage for high-risk drivers costing around $2,198. Teen drivers pay the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Beetle Convertible models.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Beetle Convertible insurance prices go from the cheapest price of $346 for minimum levels of liability insurance to the much higher price of $2,198 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.
The example below illustrates how your location can change auto insurance prices.
The ranges above show why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on 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 Details
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $591
- Drivers who choose higher $1,000 deductibles will pay $140 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,024
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,290
- Drivers with multiple violations and an at-fault accident could pay around $2,198 or more
- The price to insure a 16-year-old driver for full coverage can cost $3,758 a year
Insurance prices for a Volkswagen Beetle Convertible are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Beetle Convertible.
Choosing high deductibles could save up to $410 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $273 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 extra each year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can cost from 45% to 131% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Volkswagen Beetle Convertible insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or as much as $1,460 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $926 | -$98 | -9.6% |
| Alaska | $782 | -$242 | -23.6% |
| Arizona | $848 | -$176 | -17.2% |
| Arkansas | $1,024 | -$0 | 0.0% |
| California | $1,164 | $140 | 13.7% |
| Colorado | $976 | -$48 | -4.7% |
| Connecticut | $1,050 | $26 | 2.5% |
| Delaware | $1,158 | $134 | 13.1% |
| Florida | $1,276 | $252 | 24.6% |
| Georgia | $944 | -$80 | -7.8% |
| Hawaii | $734 | -$290 | -28.3% |
| Idaho | $694 | -$330 | -32.2% |
| Illinois | $760 | -$264 | -25.8% |
| Indiana | $768 | -$256 | -25.0% |
| Iowa | $690 | -$334 | -32.6% |
| Kansas | $970 | -$54 | -5.3% |
| Kentucky | $1,392 | $368 | 35.9% |
| Louisiana | $1,514 | $490 | 47.9% |
| Maine | $630 | -$394 | -38.5% |
| Maryland | $844 | -$180 | -17.6% |
| Massachusetts | $816 | -$208 | -20.3% |
| Michigan | $1,776 | $752 | 73.4% |
| Minnesota | $856 | -$168 | -16.4% |
| Mississippi | $1,224 | $200 | 19.5% |
| Missouri | $906 | -$118 | -11.5% |
| Montana | $1,098 | $74 | 7.2% |
| Nebraska | $806 | -$218 | -21.3% |
| Nevada | $1,228 | $204 | 19.9% |
| New Hampshire | $738 | -$286 | -27.9% |
| New Jersey | $1,142 | $118 | 11.5% |
| New Mexico | $904 | -$120 | -11.7% |
| New York | $1,078 | $54 | 5.3% |
| North Carolina | $586 | -$438 | -42.8% |
| North Dakota | $836 | -$188 | -18.4% |
| Ohio | $706 | -$318 | -31.1% |
| Oklahoma | $1,050 | $26 | 2.5% |
| Oregon | $938 | -$86 | -8.4% |
| Pennsylvania | $974 | -$50 | -4.9% |
| Rhode Island | $1,362 | $338 | 33.0% |
| South Carolina | $926 | -$98 | -9.6% |
| South Dakota | $862 | -$162 | -15.8% |
| Tennessee | $894 | -$130 | -12.7% |
| Texas | $1,232 | $208 | 20.3% |
| Utah | $756 | -$268 | -26.2% |
| Vermont | $698 | -$326 | -31.8% |
| Virginia | $614 | -$410 | -40.0% |
| Washington | $790 | -$234 | -22.9% |
| West Virginia | $938 | -$86 | -8.4% |
| Wisconsin | $706 | -$318 | -31.1% |
| Wyoming | $908 | -$116 | -11.3% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $240 | $424 | $300 | $1,074 |
| 2018 Volkswagen Beetle Convertible | $230 | $380 | $304 | $1,024 |
| 2016 Volkswagen Beetle Convertible | $206 | $328 | $306 | $950 |
Rates are averaged for all Volkswagen Beetle Convertible 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 the Right Volkswagen Beetle Convertible Insurance
Getting lower rates on insurance for a Volkswagen Beetle Convertible not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a quick rundown of the concepts that were illustrated above.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,170 more per year for auto insurance
- Teenage drivers are expensive to insure, with premiums as much as $313 a month if they have full coverage
- Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $400 each year
- Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,758 |
| 20 | $2,330 |
| 30 | $1,066 |
| 40 | $1,024 |
| 50 | $932 |
| 60 | $916 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,290 |
| $250 | $1,166 |
| $500 | $1,024 |
| $1,000 | $884 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,024 |
| 50/100 | $1,085 |
| 100/300 | $1,161 |
| 250/500 | $1,358 |
| 100 CSL | $1,115 |
| 300 CSL | $1,282 |
| 500 CSL | $1,404 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,372 |
| 20 | $3,712 |
| 30 | $2,246 |
| 40 | $2,198 |
| 50 | $2,094 |
| 60 | $2,076 |
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 | $55 |
| Multi-vehicle | $53 |
| Homeowner | $15 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $46 |
| Advance Quote | $50 |
| Online Quote | $73 |
| Total Discounts | $433 |
Discounts are estimated and may not be available from every company or in every state.
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