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 including full coverage. Comprehensive costs around $210, collision costs $380, and liability coverage costs around $390. A liability-only policy costs as low as $438 a year, with high-risk insurance costing around $2,420. Teenage drivers pay the most at $4,286 a year or more.

Average premium for full coverage: $1,116

Premium estimates for type of coverage:

Includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance rates.

These rate differences highlight why everyone should compare prices for a specific zip code, rather than using average rates.

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

Additional Rate Details

The chart below breaks down estimated Volkswagen Beetle insurance rates for additional coverage choices and driver risks.

• The best discount rate is $648
• Using higher $1,000 deductibles will save about $134 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,116
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,376
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,420 or more
• An auto insurance policy that insures a teenage driver for full coverage can be $4,286 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying at least $1,300 to $1,900 in extra premium annually, depending on your age. Volkswagen Beetle insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen Beetle insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,590 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $400 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $273 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Cheapest Volkswagen Beetle Insurance

Finding better rates on auto insurance requires being a good driver, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Compare prices every couple of years by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a recap of the material that was covered in the charts and tables above.

• Consumers who may need an increased level of liability coverage will pay an extra $430 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $357 per month if the policy includes full coverage
• Drivers that have major violations or accidents may have to pay on average $1,300 more every year than a safer driver
• Increasing policy 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.