Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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U.S. average insurance rates for a Volkswagen Beetle Convertible are $1,074 a year for full coverage insurance. Comprehensive costs around $240 a year, collision insurance costs $424, and liability costs around $300. Liability-only coverage costs as low as $342 a year, and high-risk coverage costs around $2,314. Teenage drivers pay the highest rates at up to $3,932 a year.
Average premium for full coverage: $1,074
Price estimates for individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Beetle Convertible trim levels.
Price Range from Low to High
For a driver around age 40, Volkswagen Beetle Convertible insurance prices range from as low as $342 for your basic liability-only policy to a high of $2,314 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on 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 Information
The chart below illustrates average Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The best discount rate is $613
- Using higher $1,000 deductibles will save about $922 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,074
- Using low $100 deductibles for physical damage coverage will increase the cost to $1,364
- High-risk insureds who are prone to accidents and violations could pay at least $2,314
- The price for full coverage for a 16-year-old driver can be $3,932 or more
Auto insurance prices for a Volkswagen Beetle Convertible are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen Beetle Convertible insurance prices. A driver around age 40 might see prices as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,450 on average in Michigan, New York, and Florida.
| 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 prices by as much as $450 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $270 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,300 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 135% more than a normal policy. View High Risk Driver Rates
| 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 Cheap Volkswagen Beetle Convertible Insurance
Getting lower rates on insurance for a Volkswagen Beetle Convertible requires having a decent driving record, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a quick review of the car insurance concepts covered above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,240 more every year than a driver with a clean driving record
- It is possible to save up to $130 per year just by quoting early and online
- Increasing physical damage deductibles can save around $450 each year
- Insureds who may need additional liability coverage will pay an extra $330 annually to increase from a low limit to 250/500 limits
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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