Volkswagen Beetle Insurance Rates
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UPDATED: Apr 19, 2022
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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.
Average insurance rates for a Volkswagen Beetle are $1,234 a year for full coverage. Comprehensive costs on average $238 a year, collision costs $484, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $2,688. Teen drivers receive the highest rates at $4,664 a year or more.
Average premium for full coverage: $1,234
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Beetle trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $426 for only liability insurance to a high of $2,688 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.
Insurance Rate Analysis
The chart below shows estimated Volkswagen Beetle insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $702
- Drivers who choose higher $1,000 deductibles will pay around $1,070 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,234
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,552
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,688 or more
- The cost for full coverage for a teen driver may cost $4,664 a year
for a Volkswagen Beetle can also vary considerably based on your driver profile, the trim level of your Beetle, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,600 a year. View Rates by Age
Where you live makes a big difference in Volkswagen Beetle insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,760 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $263 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Volkswagen Beetle S 2-Dr Hatchback||$1,186||$99|
|Volkswagen Beetle 2-Dr Convertible||$1,146||$96|
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||$238||$484||$376||$1,234|
|2016 Volkswagen Beetle||$228||$450||$384||$1,198|
|2014 Volkswagen Beetle||$210||$380||$390||$1,116|
|2013 Volkswagen Beetle||$196||$350||$390||$1,072|
|2012 Volkswagen Beetle||$190||$328||$394||$1,048|
|2010 Volkswagen Beetle||$172||$284||$402||$994|
|2007 Volkswagen Beetle||$146||$214||$402||$898|
|2006 Volkswagen Beetle||$142||$192||$398||$868|
|2004 Volkswagen Beetle||$136||$178||$384||$834|
|2002 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 Cheaper Volkswagen Beetle Insurance
Saving money on Volkswagen Beetle insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $475 each year
- Drivers can save as much as $150 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $410 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $389 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,450 more each year for insurance
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|
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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|
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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||$93|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.