Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average auto insurance rates for a Volkswagen Beetle Convertible are $1,074 annually for full coverage. Comprehensive insurance costs on average $240, collision costs $424, and liability costs around $300. Liability-only insurance costs as low as $342 a year, with high-risk driver insurance costing $2,314 or more. Teens cost the most to insure at $3,932 a year or more.
Average premium for full coverage: $1,074
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Beetle Convertible models.
Price Range Variability
For a driver around age 40, Volkswagen Beetle Convertible insurance rates go from as cheap as $342 for minimum levels of liability insurance to the much higher price of $2,314 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above show why everyone should compare prices based on a specific location 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.
Additional Rate Details
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $613
- Using higher $1,000 deductibles will save around $152 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,074
- Selecting pricier low deductibles for physical damage coverage costs an additional $290 every year
- Drivers with serious driving violations could pay upwards of $2,314 or more
- Policy cost with full coverage for a teen driver for full coverage may cost $3,932 or more
Auto insurance rates for a Volkswagen Beetle Convertible also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $3,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,300 to $1,700 in extra premium every year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can be as much as 43% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $270 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Volkswagen Beetle Convertible insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,530 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $970 | -$104 | -9.7% |
| Alaska | $822 | -$252 | -23.5% |
| Arizona | $892 | -$182 | -16.9% |
| Arkansas | $1,074 | -$0 | 0.0% |
| California | $1,220 | $146 | 13.6% |
| Colorado | $1,024 | -$50 | -4.7% |
| Connecticut | $1,100 | $26 | 2.4% |
| Delaware | $1,212 | $138 | 12.8% |
| Florida | $1,340 | $266 | 24.8% |
| Georgia | $992 | -$82 | -7.6% |
| Hawaii | $772 | -$302 | -28.1% |
| Idaho | $726 | -$348 | -32.4% |
| Illinois | $800 | -$274 | -25.5% |
| Indiana | $808 | -$266 | -24.8% |
| Iowa | $726 | -$348 | -32.4% |
| Kansas | $1,020 | -$54 | -5.0% |
| Kentucky | $1,462 | $388 | 36.1% |
| Louisiana | $1,588 | $514 | 47.9% |
| Maine | $662 | -$412 | -38.4% |
| Maryland | $886 | -$188 | -17.5% |
| Massachusetts | $856 | -$218 | -20.3% |
| Michigan | $1,864 | $790 | 73.6% |
| Minnesota | $898 | -$176 | -16.4% |
| Mississippi | $1,284 | $210 | 19.6% |
| Missouri | $950 | -$124 | -11.5% |
| Montana | $1,154 | $80 | 7.4% |
| Nebraska | $844 | -$230 | -21.4% |
| Nevada | $1,286 | $212 | 19.7% |
| New Hampshire | $774 | -$300 | -27.9% |
| New Jersey | $1,198 | $124 | 11.5% |
| New Mexico | $948 | -$126 | -11.7% |
| New York | $1,130 | $56 | 5.2% |
| North Carolina | $618 | -$456 | -42.5% |
| North Dakota | $878 | -$196 | -18.2% |
| Ohio | $742 | -$332 | -30.9% |
| Oklahoma | $1,100 | $26 | 2.4% |
| Oregon | $986 | -$88 | -8.2% |
| Pennsylvania | $1,022 | -$52 | -4.8% |
| Rhode Island | $1,430 | $356 | 33.1% |
| South Carolina | $972 | -$102 | -9.5% |
| South Dakota | $906 | -$168 | -15.6% |
| Tennessee | $940 | -$134 | -12.5% |
| Texas | $1,292 | $218 | 20.3% |
| Utah | $796 | -$278 | -25.9% |
| Vermont | $734 | -$340 | -31.7% |
| Virginia | $644 | -$430 | -40.0% |
| Washington | $826 | -$248 | -23.1% |
| West Virginia | $986 | -$88 | -8.2% |
| Wisconsin | $742 | -$332 | -30.9% |
| Wyoming | $954 | -$120 | -11.2% |
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $250 | $450 | $298 | $1,108 |
| 2018 Volkswagen Beetle Convertible | $240 | $424 | $300 | $1,074 |
| 2016 Volkswagen Beetle Convertible | $214 | $350 | $304 | $978 |
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
Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The list below is a review of the primary concepts that were covered above.
- Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,240 more each year for car insurance
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Teenagers are charged the highest rates, costing up to $328 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,932 |
| 20 | $2,458 |
| 30 | $1,122 |
| 40 | $1,074 |
| 50 | $982 |
| 60 | $962 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,364 |
| $250 | $1,228 |
| $500 | $1,074 |
| $1,000 | $922 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,074 |
| 50/100 | $1,134 |
| 100/300 | $1,209 |
| 250/500 | $1,404 |
| 100 CSL | $1,164 |
| 300 CSL | $1,329 |
| 500 CSL | $1,449 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,626 |
| 20 | $3,916 |
| 30 | $2,368 |
| 40 | $2,314 |
| 50 | $2,208 |
| 60 | $2,188 |
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 | $58 |
| Multi-vehicle | $56 |
| Homeowner | $16 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $50 |
| Advance Quote | $54 |
| Online Quote | $77 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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