Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually with full coverage. Comprehensive costs approximately $230, collision insurance costs $380, and liability is estimated at $304. Liability-only insurance costs approximately $346 a year, and high-risk driver insurance costs around $2,198. 16-year-old drivers cost the most to insure at up to $3,758 a year.
Average premium for full coverage: $1,024
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Beetle Convertible models.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Beetle Convertible insurance rates range from as cheap as $346 for basic liability insurance to the much higher price of $2,198 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of making a decision based on 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 average Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save $140 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,024
- Buying pricier low deductibles for comp and collision coverage will cost $1,290
- Higher-risk drivers with multiple tickets or accidents could pay around $2,198
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost $3,758 each year
Auto insurance rates for a Volkswagen Beetle Convertible also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 in extra premium every year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers ranges from 45% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $410 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $273 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volkswagen Beetle Convertible insurance prices. A good driver about age 40 could pay 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% |
| 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 the Cheapest Volkswagen Beetle Convertible Insurance
Finding cheaper rates on insurance for a Volkswagen Beetle Convertible takes having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a recap of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,170 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance rates, as much as $313 each month if full coverage is included
- You may be able to save around $120 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $400 each year
- You may be able to save around $120 per year just 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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