Volkswagen Beetle Convertible Insurance Rates
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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 insurance. Comprehensive insurance costs an estimated $230, collision costs $380, and liability coverage is $304. A policy with just liability insurance costs around $346 a year, with coverage for high-risk drivers costing $2,198 or more. 16-year-old drivers pay the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Price estimates broken down by individual coverage:
Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Beetle Convertible trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Volkswagen Beetle Convertible insurance prices go from the low end price of $346 for your basic liability-only policy to a much higher rate of $2,198 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than 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.
More Rate Information
The chart below illustrates estimated Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The best full coverage rate is $591
- Raising to $1,000 deductibles will save approximately $140 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,024
- Buying more expensive low deductibles will cost an additional $266 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,198 or more
- The price that insures a teenage driver with full coverage can cost as much as $3,758
Insurance prices for a Volkswagen Beetle Convertible are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 131% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,700 a year. View Rates by Age
The state you live in also has a big influence on Volkswagen Beetle Convertible insurance rates. A middle-age driver might find prices as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,380 on average in Florida, New York, 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 can reduce prices by up to $410 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $273 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, 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 Find More Affordable Volkswagen Beetle Convertible Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Comparison shop once a year by getting quotes from direct insurance companies, and also from local insurance agencies.
Below is a summary of the data that was touched on in the above illustrations.
- It is possible to save approximately $120 per year simply by shopping early and online
- Consumers who want higher levels of liability will pay around $330 annually to raise from a low limit to the 250/500 level
- Teenage drivers are charged the highest prices, as much as $313 a month if full coverage is included
- Drivers who have multiple accidents or major violations may have to pay on average $1,170 more annually for auto insurance
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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