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 for full coverage. Comprehensive costs on average $230, collision costs $380, and liability insurance costs around $304. A policy with only liability insurance costs as low as $346 a year, with a high-risk policy costing around $2,198. 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:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Beetle Convertible trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volkswagen Beetle Convertible go from as cheap as $346 for the bare minimum liability coverage to a much higher rate of $2,198 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying 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 Rate Information
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best discount rate is $591
- Using higher $1,000 deductibles will save around $140 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,024
- Using more expensive low deductibles for physical damage coverage will cost $1,290
- 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 teen driver with full coverage may cost $3,758 or more
Car insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model of your Beetle Convertible, your driver profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $3,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $410 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $273 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see prices as low as $680 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,460 on average in Michigan, Louisiana, 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 only way to know exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes 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 Cheaper Volkswagen Beetle Convertible Insurance
Finding better rates on Volkswagen Beetle Convertible insurance requires having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct carriers, and also from local insurance agents.
The next list is a condensed summary of the car insurance concepts raised in the charts and tables above.
- High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,170 more each year to buy Volkswagen Beetle Convertible insurance
- Drivers can save as much as $120 per year simply by shopping early and online
- Increasing policy deductibles could save up to $400 each year
- Drivers who require increased levels of liability coverage will pay an extra $330 each year to increase from 30/60 bodily injury limits to higher 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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