Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Average insurance rates for a Volkswagen Beetle Convertible are $1,024 a year including full coverage. Comprehensive insurance costs on average $230, collision costs $380, and liability insurance is estimated at $304. Liability-only coverage costs approximately $346 a year, with high-risk coverage costing $2,198 or more. 16-year-old drivers receive the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Beetle Convertible models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $346 for minimum levels of liability insurance to the much higher price of $2,198 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates the effect of geographic area on car insurance rates.
These examples highlight why everyone should get quotes based on a specific location and risk profile, rather than relying on 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.
Additional Rate Details
The chart below breaks down estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save around $140 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,024
- Buying pricier low deductibles for comp and collision coverage will cost an extra $266 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,198 or more
- The cost for full coverage for a teen driver for full coverage may cost $3,758 each year
Car insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the model of your Beetle Convertible, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Volkswagen Beetle Convertible insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,460 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can save as much as $410 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,700 extra per year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers ranges anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
| 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 Affordable Volkswagen Beetle Convertible Insurance
Saving money on Volkswagen Beetle Convertible insurance takes being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following list is a brief review of the information covered in the above illustrations.
- You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, as much as $313 per month if full coverage is included
- Increasing deductibles can save around $400 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,170 more each year than a safer driver
- Drivers who require an increased level of liability coverage will pay around $330 per year to raise limits from a minimum limit to 250/500 limits
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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