Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average insurance rates for a Volkswagen Beetle Convertible are $1,024 a year with full coverage. Comprehensive costs an estimated $230 each year, collision costs $380, and liability insurance is estimated at $304. Liability-only insurance costs approximately $346 a year, with high-risk driver insurance costing around $2,198. 16-year-old drivers cost the most to insure at $3,758 a year or more.
Average premium for full coverage: $1,024
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Beetle Convertible models.
Price Range Variability
For the average 40-year-old driver, Volkswagen Beetle Convertible insurance rates go from as low as $346 for just liability insurance to a high rate of $2,198 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.
The graphic below illustrates the difference location can make on insurance prices.
The examples above demonstrate why all drivers should get quotes for a targeted area 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.
More Rate Details
The chart below details estimated Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save approximately $140 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,024
- Buying low deductibles for comp and collision coverage will increase the cost to $1,290
- High-risk insureds with multiple tickets or accidents could pay up to $2,198 or more
- Policy cost for full coverage for a teen driver can cost as much as $3,758 each year
Auto insurance rates for a Volkswagen Beetle Convertible also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $3,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Volkswagen Beetle Convertible insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or at least $1,380 on average in New York, Michigan, and Florida.
| 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 increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $273 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted rates will be varied 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 the Best Volkswagen Beetle Convertible Insurance
Finding cheaper rates on Volkswagen Beetle Convertible insurance takes being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a brief recap of the information touched on in this article.
- You may be able to save approximately $120 per year simply by quoting online in advance
- Drivers age 16 to 20 are the costliest to insure, as much as $313 each month if they have full coverage
- Increasing comprehensive and collision deductibles can save around $400 each year
- High-risk drivers who tend to receive serious violations may pay on average $1,170 more annually than a safer driver
- Drivers who want an increased level of liability coverage will pay around $330 every year to raise limits from a 30/60 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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