Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Estimated auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually including full coverage. Comprehensive insurance costs an estimated $230, collision insurance costs $380, and liability coverage is $304. Liability-only insurance costs around $346 a year, and high-risk driver insurance costs $2,198 or more. 16-year-old drivers pay the most at up to $3,758 a year.
Average premium for full coverage: $1,024
Premium estimates broken down by type of coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist 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 an average driver, insurance rates for a Volkswagen Beetle Convertible range from as cheap as $346 for your basic liability-only policy to a much higher rate of $2,198 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area 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.
More Rate Information
The chart below breaks down average Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The best full coverage rate is $591
- Raising to $1,000 deductibles will save approximately $140 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,024
- Buying more expensive low deductibles costs an additional $266 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,198
- An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $3,758
Insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model of your Beetle Convertible, your driving characteristics, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $3,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance 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, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $273 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Volkswagen Beetle Convertible insurance rates. A middle-age driver might find prices as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
| 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 Affordable Volkswagen Beetle Convertible Insurance
Finding better rates on auto insurance consists of being a good driver, having good credit, refrain from filing small claims, and possibly raising deductibles. Take the time to compare rates every year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a brief review of the coverage data covered in the above illustrations.
- You may be able to save approximately $120 per year just by shopping early and online
- Increasing policy deductibles could save up to $400 each year
- Drivers age 16 to 20 are expensive to insure, with the cost nearing $313 per month if they have full coverage
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,170 more annually than a safer driver
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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