Volkswagen Beetle Convertible Insurance Rates
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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 with full coverage. Comprehensive insurance costs an estimated $230, collision costs $380, and liability insurance costs around $304. A liability-only policy costs as low as $346 a year, with high-risk insurance costing $2,198 or more. Teens receive the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Rate estimates broken down by individual coverage type:
Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different Beetle Convertible trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $346 for a discount liability-only rate to a much higher rate of $2,198 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on 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.
Rates by State, City, and Model
The chart below details estimated Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $591
- Using higher $1,000 deductibles will save approximately $140 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,024
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $266 a year
- Drivers with serious driving violations could pay up to $2,198 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $3,758 or more
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $3,700 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see rates as low as $740 a year in states like Utah, Ohio, and New Hampshire, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $410 each year, while increasing your policy's liability limits will increase premiums. Moving 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 may be forking out $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates can be significantly 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 the Best Cheap Volkswagen Beetle Convertible Insurance
Saving money on Volkswagen Beetle Convertible insurance requires being a safe and courteous driver, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below is a quick review of the concepts that were raised in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,170 more annually for auto insurance
- Teenage drivers are charged the highest rates, with premiums as much as $313 per month for full coverage
- You may be able to save approximately $120 per year simply by shopping early and online
- Increasing deductibles can save around $400 each year
- You may be able to save approximately $120 per year simply by shopping early and online
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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