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 $1,074 a year for full coverage. Comprehensive insurance costs an estimated $240 each year, collision insurance costs $424, and liability coverage costs around $300. Liability-only insurance costs as low as $342 a year, and high-risk driver insurance costs $2,314 or more. Teenage drivers cost the most to insure at up to $3,932 a year.
Average premium for full coverage: $1,074
Policy rates broken down by type of insurance:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Beetle Convertible models.
Price Range Variability
For a driver in their 40's, Volkswagen Beetle Convertible insurance rates range from as low as $342 for basic liability insurance to a high rate of $2,314 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.
The examples above show why all drivers should compare prices for a targeted area and risk profile, rather than 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 shows average Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The best discount rate is $613
- Using higher $1,000 deductibles will save approximately $152 a year
- The average rate for a good driver age 40 who has $500 deductibles is $1,074
- Using low deductibles for physical damage coverage will cost an extra $290 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,314
- Policy cost for full coverage for a teenage driver can cost as much as $3,932 or more
Auto insurance rates for a Volkswagen Beetle Convertible also range considerably based on your risk profile, the trim level of your Beetle Convertible, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $3,900 a year. View Rates by Age
Your home state has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see rates as low as $710 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,530 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $970 | -$104 | -9.7% |
| Alaska | $822 | -$252 | -23.5% |
| Arizona | $892 | -$182 | -16.9% |
| Arkansas | $1,074 | -$0 | 0.0% |
| California | $1,220 | $146 | 13.6% |
| Colorado | $1,024 | -$50 | -4.7% |
| Connecticut | $1,100 | $26 | 2.4% |
| Delaware | $1,212 | $138 | 12.8% |
| Florida | $1,340 | $266 | 24.8% |
| Georgia | $992 | -$82 | -7.6% |
| Hawaii | $772 | -$302 | -28.1% |
| Idaho | $726 | -$348 | -32.4% |
| Illinois | $800 | -$274 | -25.5% |
| Indiana | $808 | -$266 | -24.8% |
| Iowa | $726 | -$348 | -32.4% |
| Kansas | $1,020 | -$54 | -5.0% |
| Kentucky | $1,462 | $388 | 36.1% |
| Louisiana | $1,588 | $514 | 47.9% |
| Maine | $662 | -$412 | -38.4% |
| Maryland | $886 | -$188 | -17.5% |
| Massachusetts | $856 | -$218 | -20.3% |
| Michigan | $1,864 | $790 | 73.6% |
| Minnesota | $898 | -$176 | -16.4% |
| Mississippi | $1,284 | $210 | 19.6% |
| Missouri | $950 | -$124 | -11.5% |
| Montana | $1,154 | $80 | 7.4% |
| Nebraska | $844 | -$230 | -21.4% |
| Nevada | $1,286 | $212 | 19.7% |
| New Hampshire | $774 | -$300 | -27.9% |
| New Jersey | $1,198 | $124 | 11.5% |
| New Mexico | $948 | -$126 | -11.7% |
| New York | $1,130 | $56 | 5.2% |
| North Carolina | $618 | -$456 | -42.5% |
| North Dakota | $878 | -$196 | -18.2% |
| Ohio | $742 | -$332 | -30.9% |
| Oklahoma | $1,100 | $26 | 2.4% |
| Oregon | $986 | -$88 | -8.2% |
| Pennsylvania | $1,022 | -$52 | -4.8% |
| Rhode Island | $1,430 | $356 | 33.1% |
| South Carolina | $972 | -$102 | -9.5% |
| South Dakota | $906 | -$168 | -15.6% |
| Tennessee | $940 | -$134 | -12.5% |
| Texas | $1,292 | $218 | 20.3% |
| Utah | $796 | -$278 | -25.9% |
| Vermont | $734 | -$340 | -31.7% |
| Virginia | $644 | -$430 | -40.0% |
| Washington | $826 | -$248 | -23.1% |
| West Virginia | $986 | -$88 | -8.2% |
| Wisconsin | $742 | -$332 | -30.9% |
| Wyoming | $954 | -$120 | -11.2% |
Using high physical damage deductibles could cut rates by as much as $450 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $270 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 could be paying $1,300 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $250 | $450 | $298 | $1,108 |
| 2018 Volkswagen Beetle Convertible | $240 | $424 | $300 | $1,074 |
| 2016 Volkswagen Beetle Convertible | $214 | $350 | $304 | $978 |
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 Right Volkswagen Beetle Convertible Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a quick rundown of the concepts that were covered in the charts and tables above.
- Drivers with reckless driving or DUI convictions pay an average of $1,240 more annually to insure a Volkswagen Beetle Convertible
- Drivers under the age of 20 are the costliest to insure, costing up to $328 each month if they have full coverage
- Drivers can save approximately $130 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $450 each year
- Drivers can save approximately $130 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,932 |
| 20 | $2,458 |
| 30 | $1,122 |
| 40 | $1,074 |
| 50 | $982 |
| 60 | $962 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,364 |
| $250 | $1,228 |
| $500 | $1,074 |
| $1,000 | $922 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,074 |
| 50/100 | $1,134 |
| 100/300 | $1,209 |
| 250/500 | $1,404 |
| 100 CSL | $1,164 |
| 300 CSL | $1,329 |
| 500 CSL | $1,449 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,626 |
| 20 | $3,916 |
| 30 | $2,368 |
| 40 | $2,314 |
| 50 | $2,208 |
| 60 | $2,188 |
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 | $58 |
| Multi-vehicle | $56 |
| Homeowner | $16 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $50 |
| Advance Quote | $54 |
| Online Quote | $77 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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