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 insurance. Comprehensive insurance costs approximately $230, collision insurance costs $380, and liability is $304. Buying just liability costs around $346 a year, and insurance for high-risk drivers costs $2,198 or more. Teen drivers 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:
Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Beetle Convertible trim levels.
Price Range Variability
For the normal driver, Volkswagen Beetle Convertible insurance rates range from as low as $346 for basic liability insurance to a much higher rate of $2,198 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.
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.
Rate Comparisons
The chart below illustrates average Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $591
- Raising to $1,000 deductibles will save $140 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,024
- Choosing more expensive low deductibles will cost an extra $266 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,198
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost $3,758
Insurance rates for a Volkswagen Beetle Convertible also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay 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 prices. A middle-age driver might find rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,380 on average in Florida, New York, 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 high deductibles can reduce rates by up to $410 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $273 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 131% more than average. 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 the Best Volkswagen Beetle Convertible Insurance
Finding cheaper rates on insurance for a Volkswagen Beetle Convertible consists of being a low-risk driver, maintaining good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief recap of the concepts that were presented in the illustrations above.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,170 more per year to insure their Beetle Convertible
- Teen drivers are expensive to insure, possibly costing $313 each month for full coverage
- It is possible to save around $120 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $400 each year
- It is possible to save around $120 per year just by shopping early and online
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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