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 for full coverage. Comprehensive costs on average $190, collision costs $328, and liability is estimated at $394. Buying just liability costs approximately $440 a year, with insurance for high-risk drivers costing around $2,268. Teen drivers pay the highest rates at $4,068 a year or more.

Average premium for full coverage: $1,048

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Beetle models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas.

The example below illustrates how your location can change car insurance rates.

The ranges above show why everyone should get quotes based on a specific location, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below shows estimated Volkswagen Beetle insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $614
• Choosing higher $1,000 deductibles can save around $118 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,048
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,274
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,268 or more
• The price that insures a 16-year-old driver for full coverage may cost $4,068 each year

View Chart as Image

Insurance prices for a Volkswagen Beetle are also quite variable based on the model of your Beetle, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 additional each year, depending on your age. Volkswagen Beetle insurance for high-risk drivers ranges from 44% to 138% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,000 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 $690 a year in states like Idaho, Maine, and Iowa, or as much as $1,490 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $350 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $276 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, and prices may be quite different.

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 Right Volkswagen Beetle Insurance

Getting lower rates on insurance for a Volkswagen Beetle takes being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Shop around at every other renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a quick rundown of the concepts that were illustrated above.

• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,220 more each year to insure their Beetle
• Teen drivers pay higher prices, with premiums as much as $339 a month if comprehensive and collision insurance is included
• Drivers can save as much as $120 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $350 each year
• Drivers can save as much as $120 per year simply by quoting online well ahead of the renewal date

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.