Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually with full coverage. Comprehensive insurance costs on average $230 each year, collision insurance costs $380, and liability is $304. A liability-only policy costs around $346 a year, and high-risk insurance costs $2,198 or more. 16-year-old drivers receive the highest rates at up to $3,758 a year.
Average premium for full coverage: $1,024
Rate estimates by individual coverage type:
Includes $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Beetle Convertible models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $346 for a discount liability-only rate to a high rate of $2,198 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than congested cities. The graphic below illustrates how geographic area affects car insurance rates.
These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of 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.
Rates by State, City, and Model
The chart below details average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $591
- Raising to $1,000 deductibles will save around $140 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,024
- Buying low deductibles costs an additional $266 every year
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,198
- The cost with full coverage for a teen driver may cost $3,758
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on the trim level of your Beetle Convertible, your driving record, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $410 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $273 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Volkswagen Beetle Convertible insurance prices. A middle-age driver might find rates as low as $740 a year in states like New Hampshire, Ohio, and Utah, or at least $1,380 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy the Cheapest Volkswagen Beetle Convertible Insurance
Saving money on car insurance consists of being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below is a recap of the data presented in the illustrations above.
- Policyholders who require higher levels of liability will pay around $330 every year to raise from a minimum limit to higher 250/500 limits
- You may be able to save as much as $120 per year just by quoting online in advance
- Increasing deductibles could save up to $400 each year
- Teenage drivers pay the highest rates, with premiums as much as $313 per month including comprehensive and collision 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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