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 $1,072 a year for full coverage. Comprehensive costs around $196, collision insurance costs $350, and liability costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,322. Teen drivers cost the most to insure at up to $4,144 a year.

Average premium for full coverage: $1,072

Policy rates for type of insurance:

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Beetle trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $625
• Drivers who choose higher $1,000 deductibles will pay about $124 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,072
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,310
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,322
• Policy cost that insures a teen driver with full coverage can be $4,144 a year

View Chart as Image

Car insurance rates for a Volkswagen Beetle also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 135% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,100 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Beetle insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $370 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $273 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Cheapest Volkswagen Beetle Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around at every other renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The next list is a recap of the concepts that were presented in the illustrations above.

• Higher risk drivers that have major violations or accidents pay on average $1,250 more every year to buy Volkswagen Beetle insurance
• Drivers age 20 and younger are the costliest to insure, costing up to $345 each month if full coverage is purchased
• Drivers can save up to $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers can save up to $130 per year just by shopping early and online

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.

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.

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.