Volkswagen Beetle Convertible Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 28, 2024
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Average auto insurance rates for a Volkswagen Beetle Convertible are $1,074 annually with full coverage. Comprehensive costs around $240 a year, collision costs $424, and liability insurance costs around $300. A liability-only policy costs as low as $342 a year, with high-risk insurance costing around $2,314. Teenage drivers receive the highest rates at $3,932 a year or more.
Average premium for full coverage: $1,074
Rate estimates for individual coverage type:
Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Beetle Convertible trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $342 for minimum levels of liability insurance to a high of $2,314 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.
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 details estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The best discount rate is $613
- Using higher $1,000 deductibles will save about $922 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,074
- Using low $100 deductibles for physical damage coverage will cost $1,364
- Drivers who are prone to accidents and violations could pay at least $2,314 or more
- The cost with full coverage for a teen driver can be $3,932 or more
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.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $3,900 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 $1,300 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $450 each year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $270 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see rates as low as $780 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,450 on average in Florida, Michigan, 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% |
With so much variability in rates, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates can be significantly different 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 the Right Volkswagen Beetle Convertible Insurance
Saving money on Volkswagen Beetle Convertible insurance requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a quick rundown of the ideas that were covered in the above illustrations.
- Teenage drivers pay higher rates, with premiums as much as $328 per month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,240 more every year for auto insurance
- Increasing deductibles could save up to $450 each year
- You may be able to save up to $130 per year simply by quoting early and online
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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