Volkswagen Beetle Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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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.

The average insurance rates for a Volkswagen Beetle are $1,072 a year for full coverage insurance. Comprehensive insurance costs approximately $196 each year, collision costs $350, and liability costs $390. Liability-only insurance costs as little as $438 a year, with high-risk driver insurance costing $2,322 or more. 16-year-old drivers cost the most to insure at $4,144 a year or more.

Average premium for full coverage: $1,072

Policy rates by type of insurance:

Comprehensive $196
Collision $350
Liability $390

Estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Beetle models.

Price Range Variability

For the normal driver, Volkswagen Beetle insurance rates go from as low as $438 for just liability insurance to a high rate of $2,322 for high-risk insurance.

Liability Only $438
Full Coverage $1,072
High Risk $2,322

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $804
Small Cities $1,126
Large Cities $1,447

The examples above illustrate why all drivers should compare rates using their specific location and risk profile, instead of using 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.

More Rate Details

The chart below illustrates estimated Volkswagen Beetle insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $625
  • Drivers who choose higher $1,000 deductibles will pay $124 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,072
  • Buying low deductibles for comprehensive and collision insurance will cost an extra $238 every year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,322 or more
  • Policy cost for full coverage for a teen driver can cost $4,144 a year

View Chart as Image

Volkswagen Beetle insurance cost comparison chart
Column chart showing full coverage Volkswagen Beetle insurance prices range from $625 to $4,144

Auto insurance rates for a Volkswagen Beetle 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 a good driving record and high deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,100 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Beetle insurance prices. A 40-year-old driver could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,450 on average in Florida, New York, and Michigan.

Volkswagen Beetle Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $970 -$102 -9.5%
Alaska $822 -$250 -23.3%
Arizona $888 -$184 -17.2%
Arkansas $1,072 -$0 0.0%
California $1,222 $150 14.0%
Colorado $1,024 -$48 -4.5%
Connecticut $1,100 $28 2.6%
Delaware $1,210 $138 12.9%
Florida $1,338 $266 24.8%
Georgia $992 -$80 -7.5%
Hawaii $768 -$304 -28.4%
Idaho $724 -$348 -32.5%
Illinois $798 -$274 -25.6%
Indiana $808 -$264 -24.6%
Iowa $722 -$350 -32.6%
Kansas $1,018 -$54 -5.0%
Kentucky $1,462 $390 36.4%
Louisiana $1,584 $512 47.8%
Maine $662 -$410 -38.2%
Maryland $884 -$188 -17.5%
Massachusetts $852 -$220 -20.5%
Michigan $1,858 $786 73.3%
Minnesota $898 -$174 -16.2%
Mississippi $1,282 $210 19.6%
Missouri $952 -$120 -11.2%
Montana $1,150 $78 7.3%
Nebraska $844 -$228 -21.3%
Nevada $1,284 $212 19.8%
New Hampshire $774 -$298 -27.8%
New Jersey $1,198 $126 11.8%
New Mexico $948 -$124 -11.6%
New York $1,128 $56 5.2%
North Carolina $616 -$456 -42.5%
North Dakota $878 -$194 -18.1%
Ohio $738 -$334 -31.2%
Oklahoma $1,100 $28 2.6%
Oregon $982 -$90 -8.4%
Pennsylvania $1,020 -$52 -4.9%
Rhode Island $1,430 $358 33.4%
South Carolina $972 -$100 -9.3%
South Dakota $904 -$168 -15.7%
Tennessee $938 -$134 -12.5%
Texas $1,290 $218 20.3%
Utah $794 -$278 -25.9%
Vermont $732 -$340 -31.7%
Virginia $642 -$430 -40.1%
Washington $828 -$244 -22.8%
West Virginia $982 -$90 -8.4%
Wisconsin $740 -$332 -31.0%
Wyoming $952 -$120 -11.2%

View Chart as Image

Volkswagen Beetle insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $370 every 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 $273 extra every 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 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than the average rate. 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 which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 $1,034 $86
Volkswagen Beetle 2-Dr Convertible $978 $82

Rates assume 2015 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
2019 Volkswagen Beetle $238 $484 $376 $1,234
2018 Volkswagen Beetle $228 $450 $384 $1,198
2017 Volkswagen Beetle $218 $424 $388 $1,166
2016 Volkswagen Beetle $210 $380 $390 $1,116
2015 Volkswagen Beetle $196 $350 $390 $1,072
2014 Volkswagen Beetle $190 $328 $394 $1,048
2013 Volkswagen Beetle $184 $306 $402 $1,028
2012 Volkswagen Beetle $172 $284 $402 $994
2010 Volkswagen Beetle $156 $236 $402 $930
2007 Volkswagen Beetle $140 $188 $390 $854
2006 Volkswagen Beetle $136 $178 $384 $834
2004 Volkswagen Beetle $120 $162 $376 $794

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 Find Low Cost Volkswagen Beetle Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having good credit, being claim-free, and not having any coverage lapses. Invest the time to compare rates every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the material that was presented in the illustrations above.

  • Policyholders who purchase an increased level of liability coverage will pay around $430 annually to go from a 30/60 limit to 250/500 limits
  • Drivers age 16 to 20 have the highest car insurance rates, possibly costing $345 each month if they have full coverage
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,250 more per year than a safer driver
  • Increasing comprehensive and collision deductibles can save around $350 each year

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 $4,144
20 $2,478
30 $1,108
40 $1,072
50 $982
60 $964

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Beetle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,310
$250 $1,200
$500 $1,072
$1,000 $948

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Beetle Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,072
50/100 $1,039
100/300 $1,115
250/500 $1,312
100 CSL $1,069
300 CSL $1,236
500 CSL $1,358

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Beetle Insurance Rates for High Risk Drivers
Age Premium
16 $5,890
20 $3,948
30 $2,364
40 $2,322
50 $2,220
60 $2,198

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 $56
Multi-vehicle $58
Homeowner $17
5-yr Accident Free $75
5-yr Claim Free $69
Paid in Full/EFT $46
Advance Quote $51
Online Quote $75
Total Discounts $447
Rate after discounts $625

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

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