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 insurance rates for a Volkswagen Beetle are $1,072 a year with full coverage. Comprehensive costs on average $196, collision costs $350, and liability costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing around $2,322. Teens pay the highest rates at $4,144 a year or more.

Average premium for full coverage: $1,072

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all Beetle models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion.

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

The ranges above demonstrate why everyone should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $625
• Using higher $1,000 deductibles will save around $124 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,072
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,310
• Drivers with serious driving violations could pay upwards of $2,322 or more
• The price for full coverage for a teen driver for full coverage may cost $4,144 or more

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,100 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen Beetle insurance prices. A driver around age 40 might see prices as low as $770 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,450 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $370 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $273 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium each year, depending on your age. Volkswagen Beetle insurance for high-risk drivers can be as much as 43% to 135% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 More Affordable Volkswagen Beetle Insurance

Getting lower rates on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a summary of the data touched on in the above illustrations.

• Policyholders who require more liability protection will pay approximately $430 every year to increase from a low limit to 250/500 limits
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $350 each year
• Youthful drivers are charged the highest prices, costing up to $345 a month if they have full coverage

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.