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 for full coverage. Comprehensive costs on average $210 each year, collision costs $380, and liability insurance is estimated at $390. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $2,420. Teen drivers pay the most at $4,286 a year or more.

Average premium for full coverage: $1,116

Premium estimates by type of 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 models.

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 areas are statistically proven to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

These rate differences show why all drivers 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 Charts and Tables

The chart below shows estimated 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 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,116
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,376
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,420 or more
• An auto insurance policy that insures a teen driver may cost $4,286 each year

View Chart as Image

Insurance prices for a Volkswagen Beetle also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,200 a year. View Rates by Age

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 $740 a year in states like Idaho, Maine, and Iowa, or as much as $1,590 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $400 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $273 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so the 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 Volkswagen Beetle insurance takes having a good driving record, having above-average credit, not filing small claims, and bundling your home and auto policies. Shop around at least every other year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a recap of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that have major violations or accidents may pay on average $1,300 more each year to buy Volkswagen Beetle insurance
• Drivers can save as much as $130 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $400 each year
• Drivers who require increased levels of liability coverage will pay about $430 each year to raise limits from 30/60 bodily injury limits to the 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.