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 insurance rates for a Volkswagen Beetle are $1,116 a year with full coverage. Comprehensive costs on average $210, collision insurance costs $380, and liability costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $2,420. 16-year-old drivers pay the most at up to $4,286 a year.

Average premium for full coverage: $1,116

Premium estimates by type of coverage:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities. The example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why everyone should compare prices 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.

Rates by State, City, and Model

The chart below details average Volkswagen Beetle insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $648
• Using higher $1,000 deductibles will save around $134 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,116
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,376
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,420
• An auto insurance policy that insures a 16-year-old driver for full coverage may cost $4,286 or more

View Chart as Image

Insurance prices for a Volkswagen Beetle also have a wide range based on the model of your Beetle, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra annually, depending on your age. Volkswagen Beetle insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen Beetle insurance prices. A driver around age 40 might see prices as low as $800 a year in states like New Hampshire, Ohio, and Utah, or at least $1,510 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $400 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $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 More Affordable Volkswagen Beetle Insurance

Finding better rates on insurance for a Volkswagen Beetle requires not taking risks behind the wheel, having above-average credit, being claim-free, and determing if full coverage is necessary. Comparison shop at least once a year by requesting rates from direct companies, and also from several local insurance agents.

The following is a summary of the primary concepts that were touched on above.

• You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,300 more each year for Beetle insurance
• Increasing policy deductibles can save approximately $400 each year
• Teens pay the highest prices, possibly costing $357 per month if full coverage is included

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.