Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually with full coverage. Comprehensive costs around $230, collision costs $380, and liability costs $304. A policy with just liability insurance costs as little as $346 a year, with coverage for high-risk drivers costing around $2,198. Teens receive the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Beetle Convertible trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $346 for just liability coverage to a much higher rate of $2,198 for high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of 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.
Detailed Rate Analysis
The chart below details estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $591
- Drivers who choose higher $1,000 deductibles will pay about $140 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,024
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,290
- Higher-risk drivers with serious driving violations could pay at least $2,198 or more
- The cost with full coverage for a teen driver with full coverage can be $3,758 a year
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on the trim level of your Beetle Convertible, your driving record, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance can cost as much as 45% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $410 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Volkswagen Beetle Convertible insurance prices. A 40-year-old driver could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,380 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to compare rates and see which company has the best rate. Every company calculates rates differently, and rates can be significantly different between companies.
| 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 Buy Low Cost Volkswagen Beetle Convertible Insurance
Saving money on car insurance not only requires being safe and accident-free, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a review of the material that was covered above.
- Policyholders who may need more liability protection will pay approximately $330 every year to go from a minimum limit to higher 250/500 limits
- Youthful drivers are charged the highest rates, with premiums as much as $313 per month if they have full coverage
- Higher risk drivers who have several accidents or serious violations may pay on average $1,170 more every year than a low-risk driver
- Increasing deductibles could save up to $400 each year
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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