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.

The average insurance rates for a Volkswagen Beetle are $1,116 a year for full coverage insurance. Comprehensive insurance costs on average $210, collision insurance costs $380, and liability insurance is estimated at $390. A liability-only policy costs approximately $438 a year, and high-risk insurance costs $2,420 or more. Teen drivers cost the most to insure at up to $4,286 a year.

Average premium for full coverage: $1,116

Policy rates by type of insurance:

Prices include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Beetle models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

The examples above illustrate why everyone should get quotes based on a specific location, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $648
• Choosing higher $1,000 deductibles can save around $134 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,116
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $260 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,420
• Policy cost that insures a teen driver for full coverage may cost $4,286 each year

View Chart as Image

Car insurance rates for a Volkswagen Beetle also range considerably based on the model of your Beetle, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,300 to $1,900 extra every year, depending on your age. Volkswagen Beetle insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,200 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can save as much as $400 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $273 extra every 12 months. 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

Finding cheaper rates on Volkswagen Beetle insurance takes not taking risks behind the wheel, having a positive credit history, being claim-free, and possibly raising deductibles. Shop around at least once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

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

• It is possible to save as much as $130 per year just by quoting online well ahead of the renewal date
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,300 more each year for Beetle insurance
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teens are expensive to insure, possibly costing $357 each month if full coverage is purchased

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.