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 prices for a Volkswagen Beetle are $1,028 every 12 months for full coverage insurance. Comprehensive costs around $184 each year, collision costs $306, and liability is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing around $2,224. Teens cost the most to insure at $4,008 a year or more.

Average premium for full coverage: $1,028

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Beetle models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Volkswagen Beetle insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $606
• Raising to $1,000 deductibles will save about $112 each year
• The average price for a good driver age 40 using $500 deductibles is $1,028
• Selecting low deductibles increases the price to $1,244
• Drivers with serious driving violations could pay at least $2,224 or more
• Policy cost to insure a 16-year-old driver can be $4,008

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $281 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Volkswagen Beetle insurance prices. A middle-age driver might find rates as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,390 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, so the rates will be varied.

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 Shop for Affordable Volkswagen Beetle Insurance

Finding cheaper rates on insurance for a Volkswagen Beetle consists of being safe and accident-free, having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the material that was raised in the charts and tables above.

• Insureds who may need more liability protection will pay approximately $440 annually to raise from a 30/60 limit to a 250/500 level
• Youthful drivers pay higher rates, possibly costing $334 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,200 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $325 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.