Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually for full coverage. Comprehensive costs approximately $230, collision costs $380, and liability costs $304. A policy with just liability insurance costs as little as $346 a year, with coverage for high-risk drivers costing around $2,198. Teenage 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:
Includes $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Beetle Convertible models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $346 for just liability coverage to the much higher price of $2,198 for coverage for higher-risk drivers.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance prices.
These examples show why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below shows 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 $140 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,024
- Using pricier low deductibles for comprehensive and collision insurance will cost $1,290
- Drivers who are prone to accidents and violations could pay around $2,198 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost $3,758 a year
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on the trim level of your Beetle Convertible, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,200 to $1,700 additional per year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can cost from 45% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $410 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Volkswagen Beetle Convertible insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,460 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, and rates can be significantly different between companies.
| 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 Buy the Cheapest Volkswagen Beetle Convertible Insurance
Saving money on insurance for a Volkswagen Beetle Convertible not only requires not taking risks behind the wheel, but also having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The following is a recap of the primary concepts that were presented in the illustrations above.
- Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk that have major violations or accidents pay on average $1,170 more per year for Beetle Convertible insurance
- Increasing deductibles could save up to $400 each year
- Teens are the costliest to insure, costing as high as $313 per month if they have full coverage
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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