Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance prices for a Volkswagen Beetle Convertible are $1,024 every 12 months for full coverage insurance. Comprehensive costs around $230 a year, collision costs $380, and liability is estimated at $304. Buying just liability costs approximately $346 a year, with insurance for high-risk drivers costing around $2,198. Teen drivers receive the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Beetle Convertible trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $346 for minimum levels of liability insurance to a high of $2,198 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance rates.
These examples illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below illustrates estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $591
- Choosing higher $1,000 deductibles can save about $884 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,024
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,290
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,198 or more
- The cost to insure a 16-year-old driver can be $3,758 each year
Auto insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing high deductibles can save as much as $410 annually, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $273 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $3,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 45% to 131% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volkswagen Beetle Convertible insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,380 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates can be significantly 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 Shop for Cheap Volkswagen Beetle Convertible Insurance
Saving money on insurance for a Volkswagen Beetle Convertible takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief summary of the information touched on above.
- It is possible to save up to $120 per year simply by quoting early and online
- Drivers age 20 and younger are expensive to insure, costing up to $313 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $400 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,170 more every year to buy Volkswagen Beetle Convertible insurance
- Insureds who may need increased levels of liability coverage will pay about $330 annually to raise limits from a minimum limit to a 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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