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 for full coverage insurance. Comprehensive costs around $230, collision costs $380, and liability coverage is $304. A liability-only policy costs around $346 a year, with high-risk 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 for type of insurance:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Beetle Convertible trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Beetle Convertible insurance rates go from the cheapest price of $346 for minimum levels of liability insurance to a much higher rate of $2,198 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than 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.
Additional Rate Details
The chart below illustrates estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $591
- Raising to $1,000 deductibles will save about $140 each year
- The average price for a good driver age 40 using $500 deductibles is $1,024
- Buying more expensive low deductibles increases the price to $1,290
- Unlucky drivers with multiple tickets or accidents could pay at least $2,198 or more
- Policy cost to insure a teenage driver with full coverage can be $3,758
Car insurance rates for a Volkswagen Beetle Convertible also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $410 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $273 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 probably paying at least $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 131% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Volkswagen Beetle Convertible insurance rates. A middle-age driver might find rates as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,380 on average in Michigan, New York, 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% |
Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes 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 Best Volkswagen Beetle Convertible Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a brief recap of the data that was raised in the charts and tables above.
- It is possible to save up to $120 per year simply by shopping early and online
- Consumers who may need increased liability limits will pay around $330 annually to raise from a 30/60 limit to a 250/500 level
- Drivers under the age of 20 are the costliest to insure, possibly costing $313 each month if the policy includes full coverage
- Drivers who tend to receive serious violations may pay on average $1,170 more every year to insure a Volkswagen Beetle Convertible
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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