Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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The average insurance rates for a Volkswagen Beetle Convertible are $1,024 a year for full coverage. Comprehensive costs approximately $230, collision insurance costs $380, and liability coverage is $304. A liability-only policy costs around $346 a year, and high-risk insurance costs around $2,198. Teens cost the most to insure at up to $3,758 a year.
Average premium for full coverage: $1,024
Policy rates by type of insurance:
Price estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Beetle Convertible trim levels.
Price Range Variability
For the average driver, Volkswagen Beetle Convertible insurance rates range from as low as $346 for just the minimum liability insurance to a much higher rate of $2,198 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.
The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows average Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $591
- Raising to $1,000 deductibles will save $140 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,024
- Selecting more expensive low deductibles will increase the cost to $1,290
- Unlucky drivers with serious driving violations could pay around $2,198
- Policy cost for full coverage for a teenage driver with full coverage can cost $3,758
Car insurance rates for a Volkswagen Beetle Convertible also range considerably based on your risk profile, the trim level of your Beetle Convertible, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,700 a year. View Rates by Age
Your home state also has a big influence on Volkswagen Beetle Convertible insurance rates. A middle-age driver might find rates as low as $680 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,460 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $926 | -$98 | -9.6% |
| Alaska | $782 | -$242 | -23.6% |
| Arizona | $848 | -$176 | -17.2% |
| Arkansas | $1,024 | -$0 | 0.0% |
| California | $1,164 | $140 | 13.7% |
| Colorado | $976 | -$48 | -4.7% |
| Connecticut | $1,050 | $26 | 2.5% |
| Delaware | $1,158 | $134 | 13.1% |
| Florida | $1,276 | $252 | 24.6% |
| Georgia | $944 | -$80 | -7.8% |
| Hawaii | $734 | -$290 | -28.3% |
| Idaho | $694 | -$330 | -32.2% |
| Illinois | $760 | -$264 | -25.8% |
| Indiana | $768 | -$256 | -25.0% |
| Iowa | $690 | -$334 | -32.6% |
| Kansas | $970 | -$54 | -5.3% |
| Kentucky | $1,392 | $368 | 35.9% |
| Louisiana | $1,514 | $490 | 47.9% |
| Maine | $630 | -$394 | -38.5% |
| Maryland | $844 | -$180 | -17.6% |
| Massachusetts | $816 | -$208 | -20.3% |
| Michigan | $1,776 | $752 | 73.4% |
| Minnesota | $856 | -$168 | -16.4% |
| Mississippi | $1,224 | $200 | 19.5% |
| Missouri | $906 | -$118 | -11.5% |
| Montana | $1,098 | $74 | 7.2% |
| Nebraska | $806 | -$218 | -21.3% |
| Nevada | $1,228 | $204 | 19.9% |
| New Hampshire | $738 | -$286 | -27.9% |
| New Jersey | $1,142 | $118 | 11.5% |
| New Mexico | $904 | -$120 | -11.7% |
| New York | $1,078 | $54 | 5.3% |
| North Carolina | $586 | -$438 | -42.8% |
| North Dakota | $836 | -$188 | -18.4% |
| Ohio | $706 | -$318 | -31.1% |
| Oklahoma | $1,050 | $26 | 2.5% |
| Oregon | $938 | -$86 | -8.4% |
| Pennsylvania | $974 | -$50 | -4.9% |
| Rhode Island | $1,362 | $338 | 33.0% |
| South Carolina | $926 | -$98 | -9.6% |
| South Dakota | $862 | -$162 | -15.8% |
| Tennessee | $894 | -$130 | -12.7% |
| Texas | $1,232 | $208 | 20.3% |
| Utah | $756 | -$268 | -26.2% |
| Vermont | $698 | -$326 | -31.8% |
| Virginia | $614 | -$410 | -40.0% |
| Washington | $790 | -$234 | -22.9% |
| West Virginia | $938 | -$86 | -8.4% |
| Wisconsin | $706 | -$318 | -31.1% |
| Wyoming | $908 | -$116 | -11.3% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $273 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 131% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $240 | $424 | $300 | $1,074 |
| 2018 Volkswagen Beetle Convertible | $230 | $380 | $304 | $1,024 |
| 2016 Volkswagen Beetle Convertible | $206 | $328 | $306 | $950 |
Rates are averaged for all Volkswagen Beetle Convertible models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Volkswagen Beetle Convertible Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a condensed summary of the car insurance concepts touched on above.
- Drivers with multiple at-fault accidents may pay on average $1,170 more per year for Beetle Convertible insurance
- Drivers can save around $120 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $400 each year
- Consumers who purchase higher liability limits will pay approximately $330 each year to raise from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,758 |
| 20 | $2,330 |
| 30 | $1,066 |
| 40 | $1,024 |
| 50 | $932 |
| 60 | $916 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,290 |
| $250 | $1,166 |
| $500 | $1,024 |
| $1,000 | $884 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,024 |
| 50/100 | $1,085 |
| 100/300 | $1,161 |
| 250/500 | $1,358 |
| 100 CSL | $1,115 |
| 300 CSL | $1,282 |
| 500 CSL | $1,404 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,372 |
| 20 | $3,712 |
| 30 | $2,246 |
| 40 | $2,198 |
| 50 | $2,094 |
| 60 | $2,076 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $55 |
| Multi-vehicle | $53 |
| Homeowner | $15 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $46 |
| Advance Quote | $50 |
| Online Quote | $73 |
| Total Discounts | $433 |
Discounts are estimated and may not be available from every company or in every state.
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