Volkswagen Beetle Insurance Rates
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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.
U.S. average insurance rates for a Volkswagen Beetle are $1,072 a year for full coverage. Comprehensive insurance costs on average $196 each year, collision insurance costs $350, and liability is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $2,322 or more. 16-year-old drivers pay the highest rates at up to $4,144 a year.
Average premium for full coverage: $1,072
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Beetle models.
Price Range from Low to High
For a driver in their 40's, Volkswagen Beetle insurance prices range from the low end price of $438 for just liability insurance to a high rate of $2,322 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.
The ranges above show why all drivers should compare rates quotes based on a specific location, 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.
More Rate Details
The chart below shows average Volkswagen Beetle insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $625
- Raising to $1,000 deductibles will save around $124 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,072
- Buying low deductibles will cost an additional $238 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,322
- The price that insures a 16-year-old driver may cost $4,144
Insurance prices for a Volkswagen Beetle are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,100 a year. View Rates by Age
The state you live in also has a big influence on Volkswagen Beetle insurance prices. A middle-age driver might find prices as low as $710 a year in states like Idaho, Maine, and Iowa, or at least $1,530 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $370 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $273 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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 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 |
|---|---|---|---|---|
| 2018 Volkswagen Beetle | $210 | $380 | $390 | $1,116 |
| 2017 Volkswagen Beetle | $196 | $350 | $390 | $1,072 |
| 2016 Volkswagen Beetle | $190 | $328 | $394 | $1,048 |
| 2014 Volkswagen Beetle | $172 | $284 | $402 | $994 |
| 2013 Volkswagen Beetle | $166 | $258 | $406 | $966 |
| 2012 Volkswagen Beetle | $156 | $236 | $402 | $930 |
| 2010 Volkswagen Beetle | $142 | $192 | $398 | $868 |
| 2007 Volkswagen Beetle | $126 | $170 | $380 | $812 |
| 2006 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 More Affordable Volkswagen Beetle Insurance
Getting lower rates on insurance for a Volkswagen Beetle consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at every other renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.
The list below is a summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,250 more each year for car insurance
- Teenagers pay higher prices, with premiums as much as $345 a month if comprehensive and collision insurance is included
- Drivers can save as much as $130 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $350 each year
- Drivers can save as much as $130 per year just by quoting online in advance
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 Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 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.
Volkswagen Beetle Convertible Insurance Loss Probability| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -15% |
| Property Damage | -23% |
| Comprehensive | -22% |
| 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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,200 |
| $500 | $1,072 |
| $1,000 | $948 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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