Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance rates for a Volkswagen Beetle Convertible are $1,024 a year with full coverage. Comprehensive costs around $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. Teen drivers receive the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Rate estimates for individual coverage type:
Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Beetle Convertible trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $346 for your basic liability-only policy to a much higher rate of $2,198 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of using price 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.
More Rate Information
The chart below details estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $591
- Drivers who choose higher $1,000 deductibles will pay about $140 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,024
- Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,290
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,198 or more
- The cost that insures a teen driver with full coverage can be $3,758 a year
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance can cost as much as 45% to 131% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,700 a year. View Rates by Age
Where you live makes a big difference in Volkswagen Beetle Convertible insurance prices. A 40-year-old driver could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,380 on average in Florida, Michigan, and New York.
| 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 high deductibles could save up to $410 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to compare rates and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly 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 the Best Cheap Volkswagen Beetle Convertible Insurance
Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Shop around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a quick review of the data covered in the above illustrations.
- Policyholders who may need higher levels of liability will pay about $330 every year to go from a minimum limit to the 250/500 level
- You may be able to save up to $120 per year simply by shopping early and online
- Increasing deductibles can save approximately $400 each year
- Teenage drivers are charged the highest rates, with premiums as much as $313 per month if comprehensive and collision insurance is included
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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