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.

U.S. average auto insurance rates for a Volkswagen Beetle are $1,072 annually including full coverage. Comprehensive costs on average $196 each year, collision costs $350, and liability insurance is estimated at $390. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $2,322. Teen drivers pay the highest rates at $4,144 a year or more.

Average premium for full coverage: $1,072

Price estimates by individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Beetle models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

The chart below breaks down estimated Volkswagen Beetle insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $625
• Choosing higher $1,000 deductibles can save around $124 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,072
• Choosing low deductibles for comp and collision coverage will cost $1,310
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,322 or more
• The price with full coverage for a teen driver may cost $4,144 each year

View Chart as Image

Auto insurance prices for a Volkswagen Beetle are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,800 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $370 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $273 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,530 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out 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, and quoted prices may be quite 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 Right Volkswagen Beetle Insurance

Getting lower rates on Volkswagen Beetle insurance takes being a good driver, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 are charged the highest prices, possibly costing $345 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay on average $1,250 more each year than a safer driver
• Increasing physical damage deductibles could save up to $350 each year
• You may be able to save as much as $130 per year simply by quoting online in advance

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.