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 $1,048 a year with full coverage. Comprehensive costs an estimated $190 a year, collision insurance costs $328, and liability is estimated at $394. Liability-only insurance costs approximately $440 a year, and high-risk driver insurance costs around $2,268. Teenage drivers cost the most to insure at up to $4,068 a year.

Average premium for full coverage: $1,048

Policy rates broken down by type of insurance:

Includes $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Beetle trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $614
• Choosing higher $1,000 deductibles can save approximately $930 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,048
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,274
• Unlucky drivers who are prone to accidents and violations could pay up to $2,268
• Policy cost for full coverage for a teen driver can cost as much as $4,068 each year

View Chart as Image

Auto insurance rates for a Volkswagen Beetle also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,410 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $350 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $276 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 138% more than a normal policy. 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 the Cheapest Volkswagen Beetle Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the car insurance concepts touched on above.

• Higher risk drivers that have major violations or accidents may pay on average $1,220 more annually for Beetle insurance
• You may be able to save approximately $120 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• Policyholders who want higher liability limits will pay an extra $430 every year to raise limits from a 30/60 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.