Volkswagen Beetle Insurance Rates

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UPDATED: Jun 6, 2023

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Are Volkswagen Beetles expensive to insure compared to other vehicles? What are Volkswagen Beetle convertible insurance rates for a 17-year-old driver? Where can I find an affordable VW Beetle auto insurance company?

When it comes to VW Beetle convertible auto insurance quotes, the average VW Beetle insurance cost is $1,216 a year, or $101 a month.

Our guide can help you find the best, and cheapest, VW Beetle car insurance rates.

Read on to learn more about how your VW Beetle premiums are calculated and how drivers can secure cheap car insurance rates.

To start comparing Volkswagen Beetle convertible insurance rates in your area, enter your five-digit ZIP code into our FREE online quote tool above.

U.S. average insurance prices for a Volkswagen Beetle are $1,198 every 12 months with full coverage. Comprehensive costs on average $228 a year, collision insurance costs $450, and liability insurance is $384. Buying just liability costs around $432 a year, and insurance for high-risk drivers costs around $2,604. Teens pay the highest rates at up to $4,548 a year.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Comprehensive $228
Collision $450
Liability $384

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Beetle trim levels.

Price Range from Low to High

For a driver in their 40's, Volkswagen Beetle insurance prices range from the cheapest price of $432 for a discount liability-only rate to a high of $2,604 for a high-risk insurance policy.

Liability Only $432
Full Coverage $1,198
High Risk $2,604

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

The ranges above demonstrate why it is important to compare rates quotes 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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $686
  • Raising to $1,000 deductibles will save around $1,044 annually
  • The average price for the average middle-age driver with $500 deductibles is $1,198
  • Selecting low $100 deductibles increases the price to $1,498
  • Higher-risk drivers with serious driving violations could pay upwards of $2,604
  • The price to insure a teen driver may cost $4,548

View Chart as Image

Volkswagen Beetle insurance cost comparison chart
Column chart showing Volkswagen Beetle insurance rates range from $686 to $4,548 for full coverage

Insurance prices for a Volkswagen Beetle are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Beetle.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $460 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $268 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Volkswagen Beetle insurance rates. A middle-age driver might find prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

Volkswagen Beetle Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,080 -$118 -9.8%
Alaska $916 -$282 -23.5%
Arizona $992 -$206 -17.2%
Arkansas $1,198 -$0 0.0%
California $1,364 $166 13.9%
Colorado $1,142 -$56 -4.7%
Connecticut $1,228 $30 2.5%
Delaware $1,352 $154 12.9%
Florida $1,496 $298 24.9%
Georgia $1,106 -$92 -7.7%
Hawaii $860 -$338 -28.2%
Idaho $810 -$388 -32.4%
Illinois $890 -$308 -25.7%
Indiana $902 -$296 -24.7%
Iowa $808 -$390 -32.6%
Kansas $1,134 -$64 -5.3%
Kentucky $1,634 $436 36.4%
Louisiana $1,772 $574 47.9%
Maine $738 -$460 -38.4%
Maryland $986 -$212 -17.7%
Massachusetts $954 -$244 -20.4%
Michigan $2,076 $878 73.3%
Minnesota $1,002 -$196 -16.4%
Mississippi $1,434 $236 19.7%
Missouri $1,060 -$138 -11.5%
Montana $1,284 $86 7.2%
Nebraska $942 -$256 -21.4%
Nevada $1,434 $236 19.7%
New Hampshire $862 -$336 -28.0%
New Jersey $1,336 $138 11.5%
New Mexico $1,058 -$140 -11.7%
New York $1,260 $62 5.2%
North Carolina $688 -$510 -42.6%
North Dakota $980 -$218 -18.2%
Ohio $824 -$374 -31.2%
Oklahoma $1,228 $30 2.5%
Oregon $1,096 -$102 -8.5%
Pennsylvania $1,140 -$58 -4.8%
Rhode Island $1,596 $398 33.2%
South Carolina $1,086 -$112 -9.3%
South Dakota $1,010 -$188 -15.7%
Tennessee $1,048 -$150 -12.5%
Texas $1,442 $244 20.4%
Utah $884 -$314 -26.2%
Vermont $818 -$380 -31.7%
Virginia $716 -$482 -40.2%
Washington $922 -$276 -23.0%
West Virginia $1,098 -$100 -8.3%
Wisconsin $828 -$370 -30.9%
Wyoming $1,066 -$132 -11.0%

View Chart as Image

Volkswagen Beetle insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Volkswagen Beetle Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Beetle S 2-Dr Hatchback $1,150 $96
Volkswagen Beetle 2-Dr Convertible $1,108 $92

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen Beetle Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Volkswagen Beetle $228 $450 $384 $1,198
2016 Volkswagen Beetle $218 $424 $388 $1,166
2014 Volkswagen Beetle $196 $350 $390 $1,072
2013 Volkswagen Beetle $190 $328 $394 $1,048
2012 Volkswagen Beetle $184 $306 $402 $1,028
2010 Volkswagen Beetle $166 $258 $406 $966
2007 Volkswagen Beetle $142 $192 $398 $868
2006 Volkswagen Beetle $140 $188 $390 $854
2004 Volkswagen Beetle $126 $170 $380 $812

Rates are averaged for all Volkswagen Beetle 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 Insurance

Getting lower rates on Volkswagen Beetle insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the car insurance concepts covered in the charts and tables above.

  • High-risk drivers with multiple at-fault accidents may pay on average $1,410 more each year for auto insurance
  • You may be able to save as much as $150 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $450 each year
  • Drivers who require higher levels of liability will pay approximately $420 every year to raise from a low limit to a 250/500 level

If your Volkswagen Beetle convertible insurance costs seem high, it may be because of your driving record or age. To find savings on Volkswagen Beetle costs, make sure you are comparing quotes for VW Beetle convertible insurance coverages.

As you’ve learned, your VW Beetle insurance group and your VW Beetle car insurance rates will change depending on the age of your model and the trim level you’ve chosen. The cost of a new VW Beetle convertible for car insurance will be more than an older model.

How much is a punch buggy Convertible? A 2019 model will cost you around $21,000, however remember to factor ini your Volkswagen Beetle car insurance rates when budgeting.

Ready to find out how much does a Volkswagen Beetle Convertible cost in your area? Enter your ZIP code in our free tool below to find out everything from how much is insurance for a 2000 Volkswagen Beetle to how much does a 2005 Volkswagen Beetle cost to insure.

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What are the safety ratings of the Volkswagen Beetle Convertible?

Now that we’re answered your questions of how much does a Volkswagen Beetle cost to insure, and how much is a Volkswagen Beetle to maintain, let’s explore safety features and details.

The Volkswagen Beetle insurance cost depends partly on Volkswagen Beetle Convertible safety ratings and features. The Volkswagen Beetle Convertible has some great safety features, such as a rearview camera, blind-spot monitoring, and rear cross-traffic alert.

However, the Insurance Institute for Highway Safety (IIHS) has not crash-tested the convertible model of the VW Beetle. The IIHS has tested the hatchback model, though, which received subpar ratings.

See details about the Volkswagen Beetle Convertible crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.

Volkswagen Beetle Convertible Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2019 Volkswagen Beetle C FWDN/RN/RN/RN/R
2018 Volkswagen Beetle C FWDN/RN/RN/RN/R
2018 Volkswagen Beetle 2 DR FWDN/R4 starsN/R4 stars
2017 Volkswagen Beetle C FWDN/RN/RN/RN/R
2017 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2016 Volkswagen Beetle C FWDN/RN/RN/RN/R
2016 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2015 Volkswagen Beetle C FWDN/RN/RN/RN/R
2015 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2014 Volkswagen Beetle C FWDN/RN/RN/RN/R
2014 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2013 Volkswagen Beetle C FWDN/RN/RN/RN/R
2013 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2012 Volkswagen Beetle 2 DR FWD4 stars4 stars5 stars4 stars

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. While some of the above crash tests are not for the convertible model, the VW Beetle Bug received mediocre ratings over the years, regardless of the time level.

Volkswagen Beetle Convertible Compared Against Other Vehicles in the Same Class

How much is a VW Beetle convertible’s liability insurance? The cost of VW Beetle convertible car insurance partially depends on the size and class.

The VW Beetle is classified as a small car, so it likely won’t be able to do much damage to other vehicles. Unless it is prone to crashing, it won’t have high rates.

See the Volkswagen Beetle Convertible insurance loss probability details in the table below.

Volkswagen Beetle Convertible Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Property Damage-23%
Personal Injury-27%
Medical Payment-39%
Bodily Injury-23%

The higher the percentage, the worst the insurance loss ratio. Unlike the generic VW Beetle, the Volkswagen Beetle Convertible performs above average in every category, making it cheaper to insure.

To see how much is insurance on a convertible VW Beetle in comparison to other small cars, view the list below.

You are now an expert on finding affordable car insurance for the VW Beetle Convertible. Even if you are looking for auto insurance for a 1972 VW Beetle, you should be able to find great auto insurance quotes in your area.

How much does it cost to insure a VW Beetle in your area? Find out by entering your five-digit ZIP code into our FREE online tool and start comparing the best VW insurance group rates.

Rates by Driver Age

Volkswagen Beetle Insurance Rates by Driver Age
Driver Age Premium
16 $4,548
20 $2,782
30 $1,242
40 $1,198
50 $1,098
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Beetle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,498
$250 $1,358
$500 $1,198
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Beetle Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
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

Volkswagen Beetle Insurance Rates for High Risk Drivers
Age Premium
16 $6,492
20 $4,432
30 $2,658
40 $2,604
50 $2,486
60 $2,466

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 $170

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $88
5-yr Claim Free $78
Paid in Full/EFT $54
Advance Quote $60
Online Quote $85
Total Discounts $512
Rate after discounts $686

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

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