Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average insurance prices for a Volkswagen Beetle Convertible are $1,024 every 12 months including full coverage. Comprehensive costs approximately $230 a year, collision costs $380, and liability costs $304. Liability-only coverage costs as little as $346 a year, with high-risk coverage costing around $2,198. Teenage drivers cost the most to insure at $3,758 a year or more.
Average premium for full coverage: $1,024
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Beetle Convertible trim levels.
Price Range Variability
For the normal driver, Volkswagen Beetle Convertible insurance rates go from the cheapest price of $346 for basic liability insurance to a high of $2,198 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location and their own driving history, instead of using 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.
Rate Comparisons
The chart below breaks down estimated Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The best discount rate is $591
- Drivers who choose higher $1,000 deductibles will pay $884 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,024
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,290
- Higher-risk drivers who are prone to accidents and violations could pay around $2,198 or more
- Policy cost to insure a teen driver can cost $3,758 a year
Insurance rates for a Volkswagen Beetle Convertible also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Beetle Convertible.
Using high physical damage deductibles could save up to $410 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $273 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 131% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Volkswagen Beetle Convertible insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,460 on average in Louisiana, 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% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be varied.
| 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 the Right Volkswagen Beetle Convertible Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The points below are a quick rundown of the car insurance concepts presented in the illustrations above.
- Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,170 more per year to insure a Volkswagen Beetle Convertible
- You may be able to save around $120 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- Policyholders who purchase increased liability limits will pay an extra $330 per year to go from a 30/60 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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