Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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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 for full coverage insurance. Comprehensive costs approximately $230, collision insurance costs $380, and liability is estimated at $304. A liability-only policy costs approximately $346 a year, and high-risk insurance costs around $2,198. Teenage drivers receive the highest rates at up to $3,758 a year.
Average premium for full coverage: $1,024
Rate estimates by individual coverage type:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all Beetle Convertible models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $346 for liability-only coverage to the much higher price of $2,198 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples illustrate why everyone should get quotes using their specific location and risk profile, instead of making a decision based on 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.
Additional Charts and Tables
The chart below illustrates average Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The best discount rate is $591
- Choosing higher $1,000 deductibles can save $140 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,024
- Using pricier low deductibles for comp and collision coverage will increase the cost to $1,290
- Higher-risk drivers who are prone to accidents and violations could pay around $2,198
- The cost for full coverage for a 16-year-old driver for full coverage can cost $3,758 each year
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Volkswagen Beetle Convertible insurance prices. A good driver about age 40 could pay as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,380 on average in Florida, 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% |
Using high physical damage deductibles can save as much as $410 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $273 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 extra per year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers ranges from 45% to 131% more than a normal policy. View High Risk Driver Rates
| 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 Cheapest Volkswagen Beetle Convertible Insurance
Saving money on insurance for a Volkswagen Beetle Convertible takes avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The points below are a recap of the information covered above.
- It is possible to save around $120 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 are expensive to insure, costing up to $313 per month for full coverage
- Increasing deductibles can save around $400 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,170 more per year to insure a Volkswagen Beetle Convertible
- Insureds who purchase increased liability limits will pay an extra $330 annually to raise limits from a minimum limit to 250/500 limits
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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