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 rates for a Volkswagen Beetle Convertible are $1,024 a year for full coverage. Comprehensive insurance costs approximately $230 a year, collision insurance costs $380, and liability costs around $304. A policy with just liability insurance costs as low as $346 a year, and coverage for high-risk drivers costs $2,198 or more. Teen drivers pay the highest rates at up to $3,758 a year.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Beetle Convertible trim levels.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Beetle Convertible insurance prices range from as low as $346 for the bare minimum liability coverage to a high of $2,198 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how your location can change auto insurance prices.
The ranges above show why it is important to compare prices using their specific location and risk profile, 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 Information
The chart below shows average Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $591
- Using higher $1,000 deductibles will save $884 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,024
- Choosing low $100 deductibles for physical damage coverage will cost an extra $266 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,198
- The price for full coverage for a 16-year-old driver can cost $3,758 or more
Insurance prices for a Volkswagen Beetle Convertible are also quite variable based on your driving record, the trim level of your Beetle Convertible, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen Beetle Convertible insurance prices. A driver around age 40 might see prices 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% |
Choosing high deductibles could cut prices by as much as $410 annually, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $273 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can be from 45% to 131% more than average. View High Risk Driver Rates
| 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 Find Affordable Volkswagen Beetle Convertible Insurance
Getting lower rates on insurance for a Volkswagen Beetle Convertible requires having a good driving record, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a brief review of the material that was illustrated above.
- Insureds who purchase increased levels of liability coverage will pay about $330 each year to increase from a low limit to 250/500 limits
- Drivers age 20 and younger are expensive to insure, with premiums as much as $313 a month for full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,170 more per year to buy Volkswagen Beetle Convertible insurance
- Increasing physical damage deductibles can save around $400 each year
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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