Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance rates for a Volkswagen Beetle Convertible are $1,074 a year for full coverage. Comprehensive costs on average $240, collision costs $424, and liability costs around $300. Buying just liability costs as low as $342 a year, with insurance for high-risk drivers costing around $2,314. Teenage drivers receive the highest rates at $3,932 a year or more.
Average premium for full coverage: $1,074
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Beetle Convertible models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $342 for just liability insurance to the much higher price of $2,314 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities.
The example below illustrates how geographic area affects car insurance rates.
These examples show why everyone should compare prices based on a specific location, instead of using average rates.
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 estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best discount rate is $613
- Using higher $1,000 deductibles will save around $152 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,074
- Using pricier low deductibles for physical damage coverage bumps up the cost to $1,364
- Drivers who are prone to accidents and violations could pay upwards of $2,314 or more
- The cost that insures a teen driver for full coverage may cost $3,932 or more
Auto insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on the model of your Beetle Convertible, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,300 to $1,700 in extra premium per year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $3,900 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Beetle Convertible insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,530 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles could cut rates by as much as $450 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $270 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
| 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 Find the Best Volkswagen Beetle Convertible Insurance
Saving money on car insurance requires being safe and accident-free, maintaining a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Compare prices at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the data presented in the illustrations above.
- Policyholders who require more liability protection will pay an extra $330 each year to increase from a minimum limit to the 250/500 level
- Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $450 each year
- Youthful drivers are charged the highest rates, costing as high as $328 per month if the policy includes full coverage
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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