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.

Estimated insurance rates for a Volkswagen Beetle are $1,048 a year for full coverage insurance. Comprehensive insurance costs an estimated $190, collision costs $328, and liability is estimated at $394. Liability-only insurance costs approximately $440 a year, with high-risk driver insurance costing $2,268 or more. Teens pay the most at $4,068 a year or more.

Average premium for full coverage: $1,048

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Beetle trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $614
• Choosing higher $1,000 deductibles can save approximately $118 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,048
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $226 every year
• Unlucky drivers with serious driving violations could pay up to $2,268 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,068 each year

View Chart as Image

Insurance prices for a Volkswagen Beetle also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,300 to $1,800 additional annually, depending on your age. High-risk driver insurance ranges as much as 44% to 138% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,410 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $276 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially 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 Low Cost Volkswagen Beetle Insurance

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a review of the coverage data covered in the above illustrations.

• It is possible to save approximately $120 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $350 each year
• Youthful drivers are expensive to insure, with premiums being up to $339 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,220 more annually than a low-risk driver

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.