Volkswagen Beetle Convertible Insurance Rates
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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 with full coverage. Comprehensive insurance costs on average $230, collision costs $380, and liability coverage is estimated at $304. Liability-only insurance costs approximately $346 a year, with high-risk driver insurance costing $2,198 or more. Teenage drivers pay the most at $3,758 a year or more.
Average premium for full coverage: $1,024
Premium estimates by type of coverage:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Beetle Convertible models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Beetle Convertible go from as cheap as $346 for your basic liability-only policy to the much higher price of $2,198 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.
The example below illustrates the difference location can make on car insurance rates.
These rate differences demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, 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.
More Rate Information
The chart below details estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best discount rate is $591
- Choosing higher $1,000 deductibles can save around $140 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,024
- Using pricier low deductibles for comp and collision coverage costs an additional $266 each year
- Drivers who are prone to accidents and violations could pay upwards of $2,198 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage may cost $3,758 each year
Insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model of your Beetle Convertible, your driving record, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,700 additional annually, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers ranges around 45% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $410 a year, whereas buying more liability protection will cost you more. Moving 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 plays a big part in determining prices for Volkswagen Beetle Convertible insurance rates. A good driver about age 40 could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices will be substantially 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 Cheap Volkswagen Beetle Convertible Insurance
Finding better rates on auto insurance takes not taking risks behind the wheel, having good credit, being claim-free, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting quotes from direct companies, and also from local independent and exclusive agents.
The following is a brief summary of the ideas that were touched on in this article.
- Teens pay higher prices, possibly costing $313 per month if they have full coverage
- Drivers that tend to have accidents or serious violations pay an average of $1,170 more each year for Beetle Convertible insurance
- Increasing policy deductibles could save up to $400 each year
- You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
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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