Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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U.S. average auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually for full coverage insurance. Comprehensive insurance costs an estimated $230, collision insurance costs $380, and liability costs around $304. Buying just liability costs as low as $346 a year, and insurance for high-risk drivers costs $2,198 or more. 16-year-old drivers pay the highest rates at up to $3,758 a year.
Average premium for full coverage: $1,024
Price estimates broken down by individual coverage:
Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Beetle Convertible trim levels.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Beetle Convertible insurance prices range from as cheap as $346 for the bare minimum liability coverage to a much higher rate of $2,198 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than congested cities. The price range example below illustrates how your location can change insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using 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.
Additional Rate Information
The chart below illustrates average Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The best full coverage rate is $591
- Using higher $1,000 deductibles will save approximately $140 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,024
- Buying more expensive low deductibles for physical damage coverage costs an additional $266 every year
- Drivers with multiple tickets or accidents could pay up to $2,198
- The price with full coverage for a teen driver with full coverage can cost as much as $3,758 or more
Insurance prices for a Volkswagen Beetle Convertible are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,200 to $1,700 additional each year, depending on your age. High-risk driver insurance can be as much as 45% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $410 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $273 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Volkswagen Beetle Convertible insurance prices. A driver around age 40 might see prices as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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% |
| 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 Low Cost Volkswagen Beetle Convertible Insurance
Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a review of the concepts that were illustrated above.
- Higher risk drivers who have several accidents or serious violations may pay on average $1,170 more annually for Beetle Convertible insurance
- Teens are expensive to insure, as much as $313 a month if they have full coverage
- It is possible to save approximately $120 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $400 each year
- It is possible to save approximately $120 per year just 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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