Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 costs an estimated $230 each year, collision insurance costs $380, and liability insurance costs around $304. A policy with just liability insurance costs as low as $346 a year, and coverage for high-risk drivers costs around $2,198. Teen drivers pay the highest rates at up to $3,758 a year.
Average premium for full coverage: $1,024
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Beetle Convertible models.
Price Range from Low to High
For the normal driver, Volkswagen Beetle Convertible insurance prices range from as low as $346 for liability-only coverage to a high rate of $2,198 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.
The ranges above illustrate why all drivers should compare prices for a targeted area and risk profile, rather than relying 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 Charts and Tables
The chart below illustrates average Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The lowest rate with discounts is $591
- Using higher $1,000 deductibles will save approximately $140 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,024
- Choosing low deductibles for physical damage coverage will increase the cost to $1,290
- Drivers with multiple violations and an at-fault accident could pay up to $2,198
- The price for full coverage for a teen driver can cost as much as $3,758 or more
Insurance prices for a Volkswagen Beetle Convertible are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $3,700 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see prices as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $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% |
Choosing high deductibles could cut prices by as much as $410 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $273 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 131% more than average. View High Risk Driver Rates
| 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 Best Cheap Volkswagen Beetle Convertible Insurance
Getting lower rates on Volkswagen Beetle Convertible insurance requires being a low-risk driver, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a quick review of the concepts that were presented in the illustrations above.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,170 more annually to insure their Beetle Convertible
- Teen drivers are charged the highest prices, as much as $313 a month for full coverage
- It is possible to save approximately $120 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $400 each year
- It is possible to save approximately $120 per year just by quoting online in advance
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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