Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Estimated insurance rates for a Volkswagen Beetle Convertible are $1,024 a year for full coverage. Comprehensive costs approximately $230, collision insurance costs $380, and liability costs $304. Liability-only insurance costs as little as $346 a year, and high-risk driver insurance costs around $2,198. 16-year-old drivers pay the most at up to $3,758 a year.
Average premium for full coverage: $1,024
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Beetle Convertible models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Beetle Convertible range from the low end price of $346 for just liability insurance to the much higher price of $2,198 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.
These rate differences show why everyone should compare rates using their specific location, instead of making a decision based on 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.
More Rate Details
The chart below shows average Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $591
- Drivers who choose higher $1,000 deductibles will pay $140 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,024
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,290
- Drivers with multiple tickets or accidents could pay around $2,198
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost $3,758 a year
Insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model of your Beetle Convertible, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,200 to $1,700 additional annually, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can cost from 45% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
Where you choose to live 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 at least $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% |
Opting for high physical damage deductibles could save up to $410 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $273 more each year. View Rates by Deductible or Liability Limit
| 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 the Best Volkswagen Beetle Convertible Insurance
Finding better rates on insurance for a Volkswagen Beetle Convertible not only requires having a decent driving record, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop at every other renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The following items are a brief recap of the concepts that were touched on in this article.
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,170 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, as much as $313 per month if comprehensive and collision insurance is included
- Drivers can save around $120 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $400 each year
- Drivers can save around $120 per year just 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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