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 $1,048 a year including full coverage. Comprehensive costs an estimated $190 a year, collision insurance costs $328, and liability costs $394. Buying just liability costs as little as $440 a year, and insurance for high-risk drivers costs around $2,268. Teen drivers pay the highest rates at up to $4,068 a year.

Average premium for full coverage: $1,048

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Beetle trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above highlight why it is important to compare rates for a targeted area and risk profile, instead of using price averages.

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

Additional Charts and Tables

The chart below breaks down average Volkswagen Beetle insurance rates for other coverage scenarios.

• The lowest rate with discounts is $614
• Drivers who choose higher $1,000 deductibles will pay approximately $930 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,048
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,274
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,268
• The price for full coverage for a teen driver can cost as much as $4,068 a year

View Chart as Image

Insurance prices for a Volkswagen Beetle are also quite variable based on your driving record, the model of your Beetle, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,000 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen Beetle insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,490 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $350 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $276 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,300 to $1,800 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 138% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Cheaper Volkswagen Beetle Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a condensed summary of the material that was covered in the above illustrations.

• Policyholders who want higher levels of liability will pay about $430 per year to go from a low limit to 250/500 limits
• Teenage drivers are expensive to insure, possibly costing $339 a month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents may pay on average $1,220 more annually for auto insurance
• Increasing physical damage deductibles can save around $350 each year

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.