Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average insurance rates for a Volkswagen Beetle Convertible are $1,108 a year for full coverage insurance. Comprehensive costs approximately $250 each year, collision costs $450, and liability coverage is estimated at $298. Liability-only coverage costs approximately $340 a year, with high-risk coverage costing around $2,388. Teenage drivers cost the most to insure at $4,036 a year or more.
Average premium for full coverage: $1,108
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Beetle Convertible models.
Price Range Variability
For the average driver, Volkswagen Beetle Convertible insurance rates go from as low as $340 for liability-only coverage to a high rate of $2,388 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how location impacts auto insurance prices.
The examples above illustrate why all drivers should get quotes using their specific location and risk profile, rather than using 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 Charts and Tables
The chart below illustrates estimated Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The best discount rate is $630
- Choosing higher $1,000 deductibles can save $160 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,108
- Using low deductibles for comp and collision coverage will increase the cost to $1,416
- Drivers who are prone to accidents and violations could pay around $2,388 or more
- Policy cost for full coverage for a teenage driver can cost $4,036 each year
Insurance rates for a Volkswagen Beetle Convertible also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Volkswagen Beetle Convertible insurance rates. A good driver about age 40 could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,490 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,002 | -$106 | -9.6% |
| Alaska | $848 | -$260 | -23.5% |
| Arizona | $918 | -$190 | -17.1% |
| Arkansas | $1,108 | -$0 | 0.0% |
| California | $1,260 | $152 | 13.7% |
| Colorado | $1,056 | -$52 | -4.7% |
| Connecticut | $1,136 | $28 | 2.5% |
| Delaware | $1,250 | $142 | 12.8% |
| Florida | $1,382 | $274 | 24.7% |
| Georgia | $1,024 | -$84 | -7.6% |
| Hawaii | $794 | -$314 | -28.3% |
| Idaho | $748 | -$360 | -32.5% |
| Illinois | $824 | -$284 | -25.6% |
| Indiana | $832 | -$276 | -24.9% |
| Iowa | $748 | -$360 | -32.5% |
| Kansas | $1,048 | -$60 | -5.4% |
| Kentucky | $1,508 | $400 | 36.1% |
| Louisiana | $1,638 | $530 | 47.8% |
| Maine | $682 | -$426 | -38.4% |
| Maryland | $912 | -$196 | -17.7% |
| Massachusetts | $884 | -$224 | -20.2% |
| Michigan | $1,920 | $812 | 73.3% |
| Minnesota | $926 | -$182 | -16.4% |
| Mississippi | $1,324 | $216 | 19.5% |
| Missouri | $980 | -$128 | -11.6% |
| Montana | $1,188 | $80 | 7.2% |
| Nebraska | $870 | -$238 | -21.5% |
| Nevada | $1,326 | $218 | 19.7% |
| New Hampshire | $798 | -$310 | -28.0% |
| New Jersey | $1,234 | $126 | 11.4% |
| New Mexico | $978 | -$130 | -11.7% |
| New York | $1,166 | $58 | 5.2% |
| North Carolina | $636 | -$472 | -42.6% |
| North Dakota | $906 | -$202 | -18.2% |
| Ohio | $764 | -$344 | -31.0% |
| Oklahoma | $1,136 | $28 | 2.5% |
| Oregon | $1,014 | -$94 | -8.5% |
| Pennsylvania | $1,054 | -$54 | -4.9% |
| Rhode Island | $1,476 | $368 | 33.2% |
| South Carolina | $1,004 | -$104 | -9.4% |
| South Dakota | $934 | -$174 | -15.7% |
| Tennessee | $968 | -$140 | -12.6% |
| Texas | $1,332 | $224 | 20.2% |
| Utah | $818 | -$290 | -26.2% |
| Vermont | $756 | -$352 | -31.8% |
| Virginia | $664 | -$444 | -40.1% |
| Washington | $852 | -$256 | -23.1% |
| West Virginia | $1,016 | -$92 | -8.3% |
| Wisconsin | $766 | -$342 | -30.9% |
| Wyoming | $984 | -$124 | -11.2% |
Using high physical damage deductibles can save as much as $470 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $268 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers ranges around 45% to 131% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $260 | $484 | $292 | $1,146 |
| 2018 Volkswagen Beetle Convertible | $250 | $450 | $298 | $1,108 |
| 2016 Volkswagen Beetle Convertible | $230 | $380 | $304 | $1,024 |
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 Right Volkswagen Beetle Convertible Insurance
Finding cheaper rates on auto insurance takes having a decent driving record, having a good credit history, being claim-free, and qualifying for all possible discounts. Spend time shopping around every other policy 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 items are a quick rundown of the ideas that were touched on above.
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $336 each month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions may pay on average $1,280 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $475 each year
- It is possible to save around $140 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,036 |
| 20 | $2,536 |
| 30 | $1,160 |
| 40 | $1,108 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,272 |
| $500 | $1,108 |
| $1,000 | $948 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,108 |
| 50/100 | $1,168 |
| 100/300 | $1,242 |
| 250/500 | $1,436 |
| 100 CSL | $1,197 |
| 300 CSL | $1,361 |
| 500 CSL | $1,481 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,780 |
| 20 | $4,040 |
| 30 | $2,446 |
| 40 | $2,388 |
| 50 | $2,278 |
| 60 | $2,256 |
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 | $60 |
| Multi-vehicle | $58 |
| Homeowner | $16 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $52 |
| Advance Quote | $56 |
| Online Quote | $80 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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