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.

Average auto insurance rates for a Volkswagen Beetle are $1,116 annually for full coverage. Comprehensive insurance costs an estimated $210, collision costs $380, and liability coverage is estimated at $390. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing $2,420 or more. Teen drivers receive the highest rates at $4,286 a year or more.

Average premium for full coverage: $1,116

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Beetle models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The example below illustrates the difference location can make on insurance prices.

These examples show why everyone should get quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Rate Information

The chart below shows estimated Volkswagen Beetle insurance rates for other coverage scenarios.

• The lowest rate with discounts is $648
• Choosing higher $1,000 deductibles can save approximately $134 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,116
• Choosing pricier low deductibles for comp and collision coverage costs an additional $260 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,420 or more
• The cost with full coverage for a teenage driver for full coverage can cost as much as $4,286 each year

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Car insurance rates for a Volkswagen Beetle can also vary considerably based on the trim level of your Beetle, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,300 to $1,900 extra per year, depending on your age. Volkswagen Beetle insurance for high-risk drivers ranges around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $400 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or as much as $1,590 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.

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 Buy the Best Volkswagen Beetle Insurance

Saving money on auto insurance takes being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Make time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief recap of the car insurance concepts touched on in this article.

• Drivers who tend to receive serious violations may pay on average $1,300 more annually for auto insurance
• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $400 each year
• Consumers who want higher levels of liability will pay about $430 each year to raise limits from a minimum limit to higher 250/500 limits

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.