Volkswagen Beetle Insurance Rates
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Michelle Robbins
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UPDATED: May 8, 2024
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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 insurance prices for a Volkswagen Beetle are $1,116 every 12 months for full coverage. Comprehensive costs around $210, collision costs $380, and liability is estimated at $390. A liability-only policy costs approximately $438 a year, with high-risk insurance costing around $2,420. 16-year-old drivers receive the highest rates at $4,286 a year or more.
Average premium for full coverage: $1,116
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Beetle trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $438 for basic liability insurance to a much higher rate of $2,420 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities.
The price range example below illustrates how geographic area affects auto insurance rates.
These examples show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated 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 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,116
- Buying more expensive low deductibles for comp and collision coverage increases the price to $1,376
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,420 or more
- The cost to insure a 16-year-old driver with full coverage can be $4,286 each year
Insurance rates for a Volkswagen Beetle can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $400 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $273 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,300 to $1,900 extra per year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Idaho, Maine, and Iowa, or at least $1,590 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,010 | -$106 | -9.5% |
| Alaska | $854 | -$262 | -23.5% |
| Arizona | $924 | -$192 | -17.2% |
| Arkansas | $1,116 | -$0 | 0.0% |
| California | $1,272 | $156 | 14.0% |
| Colorado | $1,064 | -$52 | -4.7% |
| Connecticut | $1,146 | $30 | 2.7% |
| Delaware | $1,262 | $146 | 13.1% |
| Florida | $1,392 | $276 | 24.7% |
| Georgia | $1,032 | -$84 | -7.5% |
| Hawaii | $800 | -$316 | -28.3% |
| Idaho | $756 | -$360 | -32.3% |
| Illinois | $830 | -$286 | -25.6% |
| Indiana | $840 | -$276 | -24.7% |
| Iowa | $752 | -$364 | -32.6% |
| Kansas | $1,060 | -$56 | -5.0% |
| Kentucky | $1,522 | $406 | 36.4% |
| Louisiana | $1,650 | $534 | 47.8% |
| Maine | $690 | -$426 | -38.2% |
| Maryland | $922 | -$194 | -17.4% |
| Massachusetts | $890 | -$226 | -20.3% |
| Michigan | $1,936 | $820 | 73.5% |
| Minnesota | $936 | -$180 | -16.1% |
| Mississippi | $1,336 | $220 | 19.7% |
| Missouri | $990 | -$126 | -11.3% |
| Montana | $1,198 | $82 | 7.3% |
| Nebraska | $880 | -$236 | -21.1% |
| Nevada | $1,338 | $222 | 19.9% |
| New Hampshire | $806 | -$310 | -27.8% |
| New Jersey | $1,246 | $130 | 11.6% |
| New Mexico | $986 | -$130 | -11.6% |
| New York | $1,174 | $58 | 5.2% |
| North Carolina | $642 | -$474 | -42.5% |
| North Dakota | $914 | -$202 | -18.1% |
| Ohio | $768 | -$348 | -31.2% |
| Oklahoma | $1,146 | $30 | 2.7% |
| Oregon | $1,022 | -$94 | -8.4% |
| Pennsylvania | $1,062 | -$54 | -4.8% |
| Rhode Island | $1,488 | $372 | 33.3% |
| South Carolina | $1,012 | -$104 | -9.3% |
| South Dakota | $942 | -$174 | -15.6% |
| Tennessee | $976 | -$140 | -12.5% |
| Texas | $1,344 | $228 | 20.4% |
| Utah | $826 | -$290 | -26.0% |
| Vermont | $764 | -$352 | -31.5% |
| Virginia | $668 | -$448 | -40.1% |
| Washington | $862 | -$254 | -22.8% |
| West Virginia | $1,022 | -$94 | -8.4% |
| Wisconsin | $770 | -$346 | -31.0% |
| Wyoming | $992 | -$124 | -11.1% |
With so much variability in rates, the only way to know your exact price is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Beetle S 2-Dr Hatchback | $1,074 | $90 |
| Volkswagen Beetle 2-Dr Convertible | $1,024 | $85 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Volkswagen Beetle | $218 | $424 | $388 | $1,166 |
| 2017 Volkswagen Beetle | $210 | $380 | $390 | $1,116 |
| 2016 Volkswagen Beetle | $196 | $350 | $390 | $1,072 |
| 2014 Volkswagen Beetle | $184 | $306 | $402 | $1,028 |
| 2013 Volkswagen Beetle | $172 | $284 | $402 | $994 |
| 2012 Volkswagen Beetle | $166 | $258 | $406 | $966 |
| 2010 Volkswagen Beetle | $146 | $214 | $402 | $898 |
| 2007 Volkswagen Beetle | $136 | $178 | $384 | $834 |
| 2006 Volkswagen Beetle | $126 | $170 | $380 | $812 |
Rates are averaged for all Volkswagen Beetle models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Volkswagen Beetle Insurance
Saving money on insurance for a Volkswagen Beetle takes avoiding accidents and claims, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to compare rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a condensed summary of the coverage data presented in the illustrations above.
- Drivers can save up to $130 per year simply by shopping early and online
- Increasing deductibles could save as much as $400 each year
- Drivers under the age of 20 pay higher rates, costing as high as $357 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,300 more every year to insure a Volkswagen Beetle
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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2019 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2018 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2018 Volkswagen Beetle 2 DR FWD | N/R | 4 stars | N/R | 4 stars |
| 2017 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2017 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2016 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2015 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2014 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Volkswagen Beetle C FWD | N/R | N/R | N/R | N/R |
| 2013 Volkswagen Beetle 2 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Volkswagen Beetle 2 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -15% |
| Property Damage | -23% |
| Comprehensive | -22% |
| Personal Injury | -27% |
| Medical Payment | -39% |
| Bodily Injury | -23% |
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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,286 |
| 20 | $2,580 |
| 30 | $1,154 |
| 40 | $1,116 |
| 50 | $1,022 |
| 60 | $1,002 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,376 |
| $250 | $1,254 |
| $500 | $1,116 |
| $1,000 | $982 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,116 |
| 50/100 | $1,085 |
| 100/300 | $1,161 |
| 250/500 | $1,358 |
| 100 CSL | $1,115 |
| 300 CSL | $1,282 |
| 500 CSL | $1,404 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,096 |
| 20 | $4,114 |
| 30 | $2,466 |
| 40 | $2,420 |
| 50 | $2,312 |
| 60 | $2,290 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $59 |
| Multi-vehicle | $60 |
| Homeowner | $18 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $48 |
| Advance Quote | $54 |
| Online Quote | $78 |
| Total Discounts | $468 |
Discounts are estimated and may not be available from every company or in every state.
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