Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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U.S. average insurance rates for a Volkswagen Beetle Convertible are $1,024 a year with full coverage. Comprehensive costs on average $230 a year, collision costs $380, and liability costs $304. Liability-only insurance costs as little as $346 a year, with high-risk driver insurance costing around $2,198. Teens pay the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Beetle Convertible trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Beetle Convertible insurance prices go from as low as $346 for basic liability insurance to a high of $2,198 for a high-risk insurance policy.
Geographic Price Range
Your location can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above demonstrate why it is important to compare rates based on a specific location and risk profile, instead of using averaged prices.
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 estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $591
- Drivers who choose higher $1,000 deductibles will pay around $884 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,024
- Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,290
- Higher-risk drivers with serious driving violations could pay upwards of $2,198 or more
- The price for full coverage for a teen driver may cost $3,758 a year
Car insurance prices for a Volkswagen Beetle Convertible are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age
The state you live in 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 have to pay at least $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 higher comprehensive and collision insurance deductibles could save up to $410 every year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 131% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every company calculates prices differently, so rate quotes may be quite different from one company to the next.
| 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 More Affordable Volkswagen Beetle Convertible Insurance
Getting lower rates on car insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
Below you'll find a summary of the car insurance concepts touched on in this article.
- Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,170 more each year than a low-risk driver
- You may be able to save as much as $120 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $400 each year
- Policyholders who require more liability protection will pay approximately $330 every year to go from a low 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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