Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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U.S. average auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually with full coverage. Comprehensive insurance costs approximately $230 each year, collision costs $380, and liability coverage is $304. Liability-only coverage costs around $346 a year, with high-risk coverage costing $2,198 or more. 16-year-old drivers pay the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Beetle Convertible models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen Beetle Convertible insurance prices go from as cheap as $346 for basic liability insurance to a high rate of $2,198 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. Rural locations have fewer collision claims than congested cities.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below details estimated Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $591
- Raising to $1,000 deductibles will save $140 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,024
- Buying low deductibles costs an additional $266 each year
- Unlucky drivers with multiple tickets or accidents could pay around $2,198 or more
- The price with full coverage for a teenage driver can cost $3,758
Auto insurance prices for a Volkswagen Beetle Convertible are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $410 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $273 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Volkswagen Beetle Convertible insurance rates. A middle-age driver might find prices 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% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite 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 Low Cost Volkswagen Beetle Convertible Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a review of the material that was raised in the charts and tables above.
- Consumers who purchase higher levels of liability will pay around $330 every year to raise from a low limit to higher 250/500 limits
- Teenage drivers have the highest car insurance prices, costing up to $313 a month if full coverage is included
- Drivers who have several accidents or serious violations may pay on average $1,170 more per year for auto insurance
- Increasing physical damage deductibles could save up to $400 each year
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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