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 rates for a Volkswagen Beetle are $1,116 a year for full coverage insurance. Comprehensive costs around $210 each year, collision insurance costs $380, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $2,420. 16-year-old drivers pay the highest rates at up to $4,286 a year.

Average premium for full coverage: $1,116

Price estimates for individual coverage:

Prices include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Beetle models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities. The graphic below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why all drivers should get quotes for a specific zip code, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates average Volkswagen Beetle insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $648
• Choosing higher $1,000 deductibles can save about $134 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,116
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,376
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,420
• The price that insures a 16-year-old driver can be $4,286 each year

View Chart as Image

Insurance prices for a Volkswagen Beetle are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $730 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,510 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $400 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $273 more per year. View Rates by Deductible or Liability Limit

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 Find the Right Volkswagen Beetle Insurance

Getting lower rates on insurance for a Volkswagen Beetle takes not taking risks behind the wheel, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Comparison shop every couple of years by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a quick rundown of the material that was touched on in the above illustrations.

• Insureds who may need higher liability limits will pay around $430 annually to raise limits from a low limit to the 250/500 level
• Teens pay higher prices, as much as $357 a month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,300 more every year for Beetle insurance
• Increasing physical damage deductibles can save approximately $400 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.

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

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

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.