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 $1,048 every 12 months with full coverage. Comprehensive insurance costs on average $190, collision costs $328, and liability costs $394. Liability-only coverage costs as little as $440 a year, with high-risk coverage costing $2,268 or more. Teens cost the most to insure at $4,068 a year or more.

Average premium for full coverage: $1,048

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Beetle models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and their own driving history, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $614
• Drivers who choose higher $1,000 deductibles will pay around $118 annually
• The average price for a good driver age 40 with $500 deductibles is $1,048
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $226 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,268 or more
• Policy cost to insure a teen driver for full coverage may cost $4,068 a year

View Chart as Image

Insurance rates for a Volkswagen Beetle also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Beetle.

Choosing higher comprehensive and collision insurance deductibles could save up to $350 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $276 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $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 may be forking out at a minimum $1,300 to $1,800 additional every year, depending on your age. Volkswagen Beetle insurance for high-risk drivers can cost as much as 44% to 138% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Volkswagen Beetle insurance prices. A 40-year-old driver could pay as low as $750 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,410 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, and 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 the Right Volkswagen Beetle Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by getting quotes from direct companies, and also from local exclusive and independent agents.

The following items are a quick rundown of the material that was presented in the illustrations above.

• Policyholders who require additional liability coverage will pay approximately $430 every year to go from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers pay higher rates, as much as $339 each month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,220 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $350 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.