Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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U.S. average auto insurance rates for a Volkswagen Beetle Convertible are $1,024 annually for full coverage insurance. Comprehensive insurance costs on average $230, collision costs $380, and liability insurance costs around $304. Liability-only coverage costs as low as $346 a year, with high-risk coverage costing $2,198 or more. Teens pay the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Beetle Convertible trim levels.
Price Range from Low to High
For the normal driver, Volkswagen Beetle Convertible insurance prices go from as cheap as $346 for just liability coverage to a much higher rate of $2,198 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on insurance rates. Rural areas have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on 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 illustrates estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $591
- Using higher $1,000 deductibles will save around $140 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,024
- Selecting more expensive low deductibles for physical damage coverage costs an additional $266 a year
- Drivers with serious driving violations could pay upwards of $2,198 or more
- The price with full coverage for a teen driver with full coverage may cost $3,758 or more
Auto insurance prices for a Volkswagen Beetle Convertible are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $410 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $273 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,380 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company calculates prices differently, and quoted prices may be quite 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 the Cheapest Volkswagen Beetle Convertible Insurance
Getting lower rates on Volkswagen Beetle Convertible insurance requires being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the concepts that were presented in the illustrations above.
- High-risk drivers that have major violations or accidents may pay on average $1,170 more each year to insure their Beetle Convertible
- Teen drivers are charged the highest prices, as much as $313 a month if full coverage is included
- It is possible to save as much as $120 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $400 each year
- It is possible to save as much as $120 per year simply 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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