Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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U.S. average insurance rates for a Volkswagen Beetle Convertible are $1,024 a year including full coverage. Comprehensive costs on average $230 each year, collision insurance costs $380, and liability coverage costs $304. Buying just liability costs as little as $346 a year, and insurance for high-risk drivers costs around $2,198. Teens pay the highest rates at up to $3,758 a year.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Prices include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Beetle Convertible models.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Beetle Convertible insurance prices range from as low as $346 for basic liability insurance to a high rate of $2,198 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.
The ranges above highlight why all drivers should compare rates based on a 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.
Rate Comparisons
The chart below breaks down average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $591
- Drivers who choose higher $1,000 deductibles will pay around $140 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,024
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,290
- High-risk insureds with serious driving violations could pay upwards of $2,198
- The price for full coverage for a teenage driver may cost $3,758 a year
Insurance prices for a Volkswagen Beetle Convertible are also quite variable based on your driving record, the model of your Beetle Convertible, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age
The state you live in makes a big difference in Volkswagen Beetle Convertible insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,460 on average in Michigan, New York, and Louisiana.
| 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 could save up to $410 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $273 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers 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 the Right Volkswagen Beetle Convertible Insurance
Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a quick rundown of the data that was touched on in this article.
- You may be able to save as much as $120 per year just by quoting online in advance
- Consumers who require higher levels of liability will pay approximately $330 per year to go from a low limit to 250/500 limits
- Teenage drivers pay higher prices, possibly costing $313 a month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions may pay on average $1,170 more each year for auto insurance
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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