Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average insurance prices for a Volkswagen Beetle Convertible are $1,074 every 12 months for full coverage. Comprehensive costs around $240, collision costs $424, and liability insurance costs $300. Liability-only coverage costs as little as $342 a year, with high-risk coverage costing around $2,314. Teenage drivers cost the most to insure at $3,932 a year or more.
Average premium for full coverage: $1,074
Policy rates for type of insurance:
Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Beetle Convertible models.
Price Range Variability
For the normal driver, Volkswagen Beetle Convertible insurance rates go from the cheapest price of $342 for the bare minimum liability coverage to the much higher price of $2,314 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance rates.
The examples above show why everyone should compare rates for a specific zip code and their own driving history, 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 Information
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The best discount rate is $613
- Drivers who choose higher $1,000 deductibles will pay about $152 a year
- The average price for a good driver age 40 using $500 deductibles is $1,074
- Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,364
- High risk drivers who are prone to accidents and violations could pay at least $2,314 or more
- Policy cost to insure a teen driver for full coverage can be $3,932 a year
Insurance rates for a Volkswagen Beetle Convertible also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Using high physical damage deductibles could save up to $450 each year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $270 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,300 to $1,700 additional every year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Volkswagen Beetle Convertible insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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 your exact price is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied.
| 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 Shop for Cheaper Volkswagen Beetle Convertible Insurance
Finding cheaper rates on Volkswagen Beetle Convertible insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a condensed summary of the data that was presented in the illustrations above.
- Drivers can save up to $130 per year simply by quoting online well ahead of the renewal date
- Drivers who may need more liability coverage will pay an extra $330 each year to go from a 30/60 limit to a 250/500 level
- Teen drivers are charged the highest rates, costing up to $328 each month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,240 more every year to insure their Beetle Convertible
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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