Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive costs on average $230, collision insurance costs $380, and liability is $304. Liability-only coverage costs around $346 a year, and high-risk coverage 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:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Beetle Convertible models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volkswagen Beetle Convertible range from the low end price of $346 for basic liability insurance to the much higher price of $2,198 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how geographic area affects car insurance rates.
These rate differences highlight why everyone should compare rates quotes based on a specific location, instead of using 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.
Rate Comparisons
The chart below breaks down average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $591
- Raising to $1,000 deductibles will save around $140 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,024
- Buying pricier low deductibles bumps up the cost to $1,290
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,198
- An auto insurance policy that insures a teen driver for full coverage may cost $3,758
Insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model of your Beetle Convertible, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,200 to $1,700 extra annually, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers is expensive and can cost as much as 45% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $3,700 a year. View Rates by Age
Where you choose to live also has a big influence on Volkswagen Beetle Convertible insurance prices. A middle-age driver might find prices as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,460 on average in Michigan, New York, and Louisiana.
| 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 can reduce prices by up to $410 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $273 more per 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 Right Volkswagen Beetle Convertible Insurance
Finding better rates on car insurance consists of being a good driver, having above-average credit, refrain from filing small claims, and determing if full coverage is necessary. Comparison shop at least every other year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The following list is a quick rundown of the car insurance concepts presented in the illustrations above.
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,170 more each year than a safer driver
- You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $400 each year
- Policyholders who require an increased level of liability coverage will pay around $330 per year to raise from 30/60 bodily injury limits to the 250/500 level
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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