Volkswagen Beetle Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

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.

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.

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.

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.

• Honda Civic
• Subaru BRZ
• Volkswagen Beetle

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.