Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Estimated auto insurance rates for a Volkswagen Beetle Convertible are $1,074 annually including full coverage. Comprehensive costs on average $240 each year, collision insurance costs $424, and liability coverage costs around $300. A policy with only liability insurance costs as low as $342 a year, and a high-risk policy costs around $2,314. Teen drivers pay the most at up to $3,932 a year.
Average premium for full coverage: $1,074
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Beetle Convertible models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volkswagen Beetle Convertible range from as cheap as $342 for just liability coverage to a high rate of $2,314 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.
These rate differences highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using 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.
Detailed Rate Analysis
The chart below breaks down average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $613
- Using higher $1,000 deductibles will save around $152 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,074
- Choosing low deductibles for physical damage coverage will cost $1,364
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,314
- An auto insurance policy with full coverage for a teenage driver may cost $3,932 or more
Car insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model of your Beetle Convertible, your driving characteristics, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $3,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $450 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $270 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,530 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $970 | -$104 | -9.7% |
| Alaska | $822 | -$252 | -23.5% |
| Arizona | $892 | -$182 | -16.9% |
| Arkansas | $1,074 | -$0 | 0.0% |
| California | $1,220 | $146 | 13.6% |
| Colorado | $1,024 | -$50 | -4.7% |
| Connecticut | $1,100 | $26 | 2.4% |
| Delaware | $1,212 | $138 | 12.8% |
| Florida | $1,340 | $266 | 24.8% |
| Georgia | $992 | -$82 | -7.6% |
| Hawaii | $772 | -$302 | -28.1% |
| Idaho | $726 | -$348 | -32.4% |
| Illinois | $800 | -$274 | -25.5% |
| Indiana | $808 | -$266 | -24.8% |
| Iowa | $726 | -$348 | -32.4% |
| Kansas | $1,020 | -$54 | -5.0% |
| Kentucky | $1,462 | $388 | 36.1% |
| Louisiana | $1,588 | $514 | 47.9% |
| Maine | $662 | -$412 | -38.4% |
| Maryland | $886 | -$188 | -17.5% |
| Massachusetts | $856 | -$218 | -20.3% |
| Michigan | $1,864 | $790 | 73.6% |
| Minnesota | $898 | -$176 | -16.4% |
| Mississippi | $1,284 | $210 | 19.6% |
| Missouri | $950 | -$124 | -11.5% |
| Montana | $1,154 | $80 | 7.4% |
| Nebraska | $844 | -$230 | -21.4% |
| Nevada | $1,286 | $212 | 19.7% |
| New Hampshire | $774 | -$300 | -27.9% |
| New Jersey | $1,198 | $124 | 11.5% |
| New Mexico | $948 | -$126 | -11.7% |
| New York | $1,130 | $56 | 5.2% |
| North Carolina | $618 | -$456 | -42.5% |
| North Dakota | $878 | -$196 | -18.2% |
| Ohio | $742 | -$332 | -30.9% |
| Oklahoma | $1,100 | $26 | 2.4% |
| Oregon | $986 | -$88 | -8.2% |
| Pennsylvania | $1,022 | -$52 | -4.8% |
| Rhode Island | $1,430 | $356 | 33.1% |
| South Carolina | $972 | -$102 | -9.5% |
| South Dakota | $906 | -$168 | -15.6% |
| Tennessee | $940 | -$134 | -12.5% |
| Texas | $1,292 | $218 | 20.3% |
| Utah | $796 | -$278 | -25.9% |
| Vermont | $734 | -$340 | -31.7% |
| Virginia | $644 | -$430 | -40.0% |
| Washington | $826 | -$248 | -23.1% |
| West Virginia | $986 | -$88 | -8.2% |
| Wisconsin | $742 | -$332 | -30.9% |
| Wyoming | $954 | -$120 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $250 | $450 | $298 | $1,108 |
| 2018 Volkswagen Beetle Convertible | $240 | $424 | $300 | $1,074 |
| 2016 Volkswagen Beetle Convertible | $214 | $350 | $304 | $978 |
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 Buy the Best Volkswagen Beetle Convertible Insurance
Finding better rates on auto insurance requires having a decent driving record, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Spend time shopping around at least every other year by getting quotes from direct car insurance companies, and also from several local insurance agents.
The following items are a brief recap of the car insurance concepts touched on above.
- Drivers who tend to receive serious violations pay on average $1,240 more each year than a driver with a clean driving record
- You may be able to save as much as $130 per year just by quoting online in advance
- Increasing policy deductibles could save up to $450 each year
- Consumers who require additional liability coverage will pay about $330 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,932 |
| 20 | $2,458 |
| 30 | $1,122 |
| 40 | $1,074 |
| 50 | $982 |
| 60 | $962 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,364 |
| $250 | $1,228 |
| $500 | $1,074 |
| $1,000 | $922 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,074 |
| 50/100 | $1,134 |
| 100/300 | $1,209 |
| 250/500 | $1,404 |
| 100 CSL | $1,164 |
| 300 CSL | $1,329 |
| 500 CSL | $1,449 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,626 |
| 20 | $3,916 |
| 30 | $2,368 |
| 40 | $2,314 |
| 50 | $2,208 |
| 60 | $2,188 |
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 | $58 |
| Multi-vehicle | $56 |
| Homeowner | $16 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $50 |
| Advance Quote | $54 |
| Online Quote | $77 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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