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.

Estimated auto insurance rates for a Volkswagen Beetle are $1,166 annually for full coverage insurance. Comprehensive insurance costs an estimated $218, collision costs $424, and liability coverage costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing $2,534 or more. 16-year-old drivers pay the most at $4,450 a year or more.

Average premium for full coverage: $1,166

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than using rate averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates estimated Volkswagen Beetle insurance rates for other coverage scenarios.

• The best full coverage rate is $670
• Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,166
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $284 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,534 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $4,450 a year

View Chart as Image

Auto insurance prices for a Volkswagen Beetle also have a wide range based on the model of your Beetle, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,400 to $1,900 in extra premium annually, depending on your age. Volkswagen Beetle insurance for high-risk drivers can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $430 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $270 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Volkswagen Beetle insurance rates. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices will be substantially different between companies.

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 Buy the Best Volkswagen Beetle Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a brief recap of the concepts that were raised in the charts and tables above.

• Drivers who tend to receive serious violations may pay on average $1,370 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $371 per month if full coverage is included
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $425 each year
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date

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.