Volkswagen Beetle Convertible Insurance Rates

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UPDATED: Apr 28, 2024

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Average auto insurance rates for a Volkswagen Beetle Convertible are $1,074 annually for full coverage. Comprehensive costs on average $240, collision insurance costs $424, and liability is $300. A liability-only policy costs around $342 a year, and high-risk insurance costs around $2,314. Teen drivers receive the highest rates at up to $3,932 a year.

Average premium for full coverage: $1,074

Rate estimates by individual coverage type:

Comprehensive $240
Collision $424
Liability $300

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Beetle Convertible trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as cheap as $342 for basic liability insurance to a much higher rate of $2,314 for a driver that may need high-risk insurance.

Liability Only $342
Full Coverage $1,074
High Risk $2,314

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $806
Small Cities $1,128
Large Cities $1,450

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using price 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.

Rate Comparisons

The chart below shows average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $613
  • Raising to $1,000 deductibles will save around $152 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,074
  • Choosing more expensive low deductibles will cost $1,364
  • At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,314
  • The cost with full coverage for a teen driver with full coverage may cost $3,932

View Chart as Image

Volkswagen Beetle Convertible insurance cost comparison chart
Column chart showing Volkswagen Beetle Convertible insurance rates range from $613 to $3,932 for full coverage

Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on the trim level of your Beetle Convertible, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,300 to $1,700 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $450 every 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 as much as $270 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen Beetle Convertible insurance prices. A middle-age driver might find rates as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,530 on average in Michigan, Louisiana, and New York.

Volkswagen Beetle Convertible Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $970 -$104 -9.7%
Alaska $822 -$252 -23.5%
Arizona $892 -$182 -16.9%
Arkansas $1,074 -$0 0.0%
California $1,220 $146 13.6%
Colorado $1,024 -$50 -4.7%
Connecticut $1,100 $26 2.4%
Delaware $1,212 $138 12.8%
Florida $1,340 $266 24.8%
Georgia $992 -$82 -7.6%
Hawaii $772 -$302 -28.1%
Idaho $726 -$348 -32.4%
Illinois $800 -$274 -25.5%
Indiana $808 -$266 -24.8%
Iowa $726 -$348 -32.4%
Kansas $1,020 -$54 -5.0%
Kentucky $1,462 $388 36.1%
Louisiana $1,588 $514 47.9%
Maine $662 -$412 -38.4%
Maryland $886 -$188 -17.5%
Massachusetts $856 -$218 -20.3%
Michigan $1,864 $790 73.6%
Minnesota $898 -$176 -16.4%
Mississippi $1,284 $210 19.6%
Missouri $950 -$124 -11.5%
Montana $1,154 $80 7.4%
Nebraska $844 -$230 -21.4%
Nevada $1,286 $212 19.7%
New Hampshire $774 -$300 -27.9%
New Jersey $1,198 $124 11.5%
New Mexico $948 -$126 -11.7%
New York $1,130 $56 5.2%
North Carolina $618 -$456 -42.5%
North Dakota $878 -$196 -18.2%
Ohio $742 -$332 -30.9%
Oklahoma $1,100 $26 2.4%
Oregon $986 -$88 -8.2%
Pennsylvania $1,022 -$52 -4.8%
Rhode Island $1,430 $356 33.1%
South Carolina $972 -$102 -9.5%
South Dakota $906 -$168 -15.6%
Tennessee $940 -$134 -12.5%
Texas $1,292 $218 20.3%
Utah $796 -$278 -25.9%
Vermont $734 -$340 -31.7%
Virginia $644 -$430 -40.0%
Washington $826 -$248 -23.1%
West Virginia $986 -$88 -8.2%
Wisconsin $742 -$332 -30.9%
Wyoming $954 -$120 -11.2%

View Chart as Image

Volkswagen Beetle Convertible insurance rates by U.S. city
Volkswagen Beetle Convertible Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Volkswagen Beetle Convertible $250 $450 $298 $1,108
2018 Volkswagen Beetle Convertible $240 $424 $300 $1,074
2016 Volkswagen Beetle Convertible $214 $350 $304 $978

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 Cheap Volkswagen Beetle Convertible Insurance

Saving money on car insurance consists of avoiding accidents and claims, having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Take the time to comparison shop once a year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a brief summary of the data that was touched on in the above illustrations.

  • Drivers can save as much as $130 per year just by shopping early and online
  • Policyholders who require increased liability limits will pay about $330 each year to raise from a minimum limit to higher 250/500 limits
  • Drivers under the age of 20 pay the highest rates, costing as high as $328 per month including comprehensive and collision insurance
  • Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,240 more each year to insure a Volkswagen Beetle Convertible

Rates by Driver Age

Volkswagen Beetle Convertible Insurance Rates by Driver Age
Driver Age Premium
16 $3,932
20 $2,458
30 $1,122
40 $1,074
50 $982
60 $962

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Beetle Convertible Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,364
$250 $1,228
$500 $1,074
$1,000 $922

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Beetle Convertible Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,074
50/100 $1,134
100/300 $1,209
250/500 $1,404
100 CSL $1,164
300 CSL $1,329
500 CSL $1,449

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Beetle Convertible Insurance Rates for High Risk Drivers
Age Premium
16 $5,626
20 $3,916
30 $2,368
40 $2,314
50 $2,208
60 $2,188

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.

SR-22 Surcharge $150

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $58
Multi-vehicle $56
Homeowner $16
5-yr Accident Free $80
5-yr Claim Free $70
Paid in Full/EFT $50
Advance Quote $54
Online Quote $77
Total Discounts $461
Rate after discounts $613

Discounts are estimated and may not be available from every company or in every state.

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