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.
Estimated insurance prices for a Volkswagen Beetle are $1,198 every 12 months for full coverage insurance. Comprehensive costs around $228, collision costs $450, and liability is $384. A policy with only liability insurance costs around $432 a year, with a high-risk policy costing around $2,604. 16-year-old drivers pay the most at $4,548 a year or more.
Average premium for full coverage: $1,198
Premium estimates for type of coverage:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Beetle trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volkswagen Beetle go from the cheapest price of $432 for the bare minimum liability coverage to a much higher rate of $2,604 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how geographic area affects auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on 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 estimated Volkswagen Beetle insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $686
- Raising to $1,000 deductibles will save about $154 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,198
- Buying more expensive low deductibles increases the price to $1,498
- Drivers with multiple tickets or accidents could pay at least $2,604 or more
- An auto insurance policy to insure a 16-year-old driver with full coverage can be $4,548
Car insurance prices for a Volkswagen Beetle also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce prices by up to $460 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $268 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Volkswagen Beetle insurance prices. A middle-age driver might find prices as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
|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.
|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 Low Cost Volkswagen Beetle Insurance
Finding better rates on insurance for a Volkswagen Beetle consists of being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a review of the primary concepts that were presented in the illustrations above.
- It is possible to save up to $150 per year simply by shopping early and online
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,410 more every year than a low-risk driver
- Increasing policy deductibles could save as much as $450 each year
- Youthful drivers are the costliest to insure, with premiums being up to $379 per month if the policy includes full coverage
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.
|2019 Volkswagen Beetle C FWD||N/R||N/R||N/R||N/R|
|2018 Volkswagen Beetle C FWD||N/R||N/R||N/R||N/R|
|2018 Volkswagen Beetle 2 DR FWD||N/R||4 stars||N/R||4 stars|
|2017 Volkswagen Beetle C FWD||N/R||N/R||N/R||N/R|
|2017 Volkswagen Beetle 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2016 Volkswagen Beetle C FWD||N/R||N/R||N/R||N/R|
|2016 Volkswagen Beetle 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2015 Volkswagen Beetle C FWD||N/R||N/R||N/R||N/R|
|2015 Volkswagen Beetle 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2014 Volkswagen Beetle C FWD||N/R||N/R||N/R||N/R|
|2014 Volkswagen Beetle 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2013 Volkswagen Beetle C FWD||N/R||N/R||N/R||N/R|
|2013 Volkswagen Beetle 2 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2012 Volkswagen Beetle 2 DR FWD||4 stars||4 stars||5 stars||4 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.
|Insurance Coverage Category||Loss Rate|
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$88|
|5-yr Claim Free||$78|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.
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