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 prices for a Volkswagen Beetle are $1,072 every 12 months for full coverage. Comprehensive insurance costs approximately $196 a year, collision insurance costs $350, and liability insurance is estimated at $390. Liability-only insurance costs approximately $438 a year, and high-risk driver insurance costs $2,322 or more. 16-year-old drivers pay the most at up to $4,144 a year.

Average premium for full coverage: $1,072

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Beetle trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to get quotes using their specific location and their own driving history, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below shows average Volkswagen Beetle insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $625
• Choosing higher $1,000 deductibles can save $948 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,072
• Buying low $100 deductibles for comp and collision coverage costs an extra $238 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,322
• An auto insurance policy to insure a teen driver can cost $4,144 each year

View Chart as Image

Insurance prices for a Volkswagen Beetle also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Beetle.

Opting for high physical damage deductibles can save as much as $370 each year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $273 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,530 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for More Affordable Volkswagen Beetle Insurance

Finding better rates on Volkswagen Beetle insurance takes having a good driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a summary of the car insurance concepts touched on above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,250 more per year to buy Volkswagen Beetle insurance
• Drivers can save around $130 per year just by quoting early and online
• Increasing policy deductibles could save as much as $350 each year
• Drivers who purchase increased levels of liability coverage will pay around $430 each year to raise limits from 30/60 bodily injury limits to a 250/500 level

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.