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.

The average insurance rates for a Volkswagen Beetle are $1,116 a year for full coverage insurance. Comprehensive costs around $210 a year, collision insurance costs $380, and liability coverage costs $390. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs around $2,420. Teens cost the most to insure at up to $4,286 a year.

Average premium for full coverage: $1,116

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Beetle trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

The examples above illustrate why it is important to compare rates for a specific zip code, rather than using averaged prices.

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

More Rate Details

The chart below illustrates average Volkswagen Beetle insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $648
• Drivers who choose higher $1,000 deductibles will pay about $982 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,116
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,376
• High-risk insureds with serious driving violations could pay at least $2,420
• Policy cost that insures a teenage driver can be $4,286 a year

View Chart as Image

Insurance rates for a Volkswagen Beetle also range considerably based on the trim level of your Beetle, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,200 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Beetle insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,510 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $400 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $273 more each year. View Rates by Deductible or Liability Limit

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 Affordable Volkswagen Beetle Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, being claim-free, and deciding if full coverage is necessary. Compare rates at least once a year by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The points below are a brief review of the primary concepts that were illustrated above.

• It is possible to save up to $130 per year just by quoting early and online
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,300 more every year to insure a Volkswagen Beetle
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers under the age of 20 are charged the highest rates, possibly costing $357 each month if comprehensive and collision insurance is included

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.