Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance prices for a Volkswagen Beetle Convertible are $1,074 every 12 months for full coverage insurance. Comprehensive costs on average $240, collision insurance costs $424, and liability insurance costs around $300. A liability-only policy costs as low as $342 a year, and high-risk insurance costs around $2,314. Teens receive the highest rates at up to $3,932 a year.
Average premium for full coverage: $1,074
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all Beetle Convertible models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $342 for just the minimum liability insurance to the much higher price of $2,314 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why everyone should compare prices based on a specific location and their own driving history, 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.
Additional Rate Analysis
The chart below illustrates average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $613
- Using higher $1,000 deductibles will save around $152 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,074
- Selecting pricier low deductibles for physical damage coverage increases the price to $1,364
- Drivers with serious driving violations could pay upwards of $2,314
- The cost to insure a teen driver for full coverage may cost $3,932 or more
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Beetle Convertible.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $270 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,700 extra per year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can be anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see rates as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,450 on average in Michigan, New York, and Florida.
| 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% |
| 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 Shop for Cheaper Volkswagen Beetle Convertible Insurance
Saving money on Volkswagen Beetle Convertible insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a condensed summary of the ideas that were covered above.
- Teenagers pay the highest rates, costing up to $328 per month if they have full coverage
- High-risk drivers with multiple at-fault accidents pay on average $1,240 more each year for car insurance
- Increasing deductibles could save as much as $450 each year
- It is possible to save as much as $130 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,364 |
| $250 | $1,228 |
| $500 | $1,074 |
| $1,000 | $922 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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