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 for full coverage. Comprehensive costs an estimated $196, collision costs $350, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, with coverage for high-risk drivers costing around $2,322. 16-year-old drivers pay the highest rates at $4,144 a year or more.

Average premium for full coverage: $1,072

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Beetle trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below shows estimated Volkswagen Beetle insurance rates for other coverage scenarios.

• The best full coverage rate is $625
• Choosing higher $1,000 deductibles can save approximately $124 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,072
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,310
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,322 or more
• The price for full coverage for a 16-year-old driver with full coverage can cost as much as $4,144 each year

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,530 on average in New York, Louisiana, and Michigan.

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Opting for high physical damage deductibles can save as much as $370 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $273 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,300 to $1,800 extra each year, depending on your age. High-risk driver insurance ranges from 43% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 Affordable Volkswagen Beetle Insurance

Getting lower rates on insurance for a Volkswagen Beetle takes avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,250 more annually to insure a Volkswagen Beetle
• Drivers can save approximately $130 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $350 each year
• Insureds who want increased liability limits will pay around $430 each year to raise limits from a low limit to 250/500 limits

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.