Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Estimated insurance rates for a Volkswagen Beetle Convertible are $1,024 a year including full coverage. Comprehensive costs approximately $230, collision costs $380, and liability coverage costs $304. Liability-only insurance costs as little as $346 a year, with high-risk driver insurance costing around $2,198. Teens pay the most at $3,758 a year or more.
Average premium for full coverage: $1,024
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Beetle Convertible trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Volkswagen Beetle Convertible go from the low end price of $346 for basic liability insurance to a much higher rate of $2,198 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location, rather than using averaged prices.
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 cheapest rate after discounts is $591
- Drivers who choose higher $1,000 deductibles will pay $140 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,024
- Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,290
- High-risk insureds with serious driving violations could pay around $2,198 or more
- An auto insurance policy that insures a teenage driver with full coverage can cost $3,758 a year
Insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance can cost around 45% to 131% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
Where you choose to live makes a big difference in Volkswagen Beetle Convertible insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $410 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $273 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices and see how they stack up. Every company calculates prices differently, and prices will be substantially different.
| 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 More Affordable Volkswagen Beetle Convertible Insurance
Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The points below are a summary of the concepts that were illustrated above.
- Drivers who have multiple accidents or major violations will likely pay on average $1,170 more per year to insure a Volkswagen Beetle Convertible
- Drivers under the age of 20 are the costliest to insure, with the cost nearing $313 per month if comprehensive and collision insurance is included
- You may be able to save around $120 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $400 each year
- You may be able to save around $120 per year simply by shopping early and online
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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