Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance rates for a Volkswagen Beetle Convertible are $1,074 a year for full coverage insurance. Comprehensive costs approximately $240 a year, collision costs $424, and liability coverage costs around $300. A policy with just liability insurance costs as low as $342 a year, with coverage for high-risk drivers 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 by individual coverage type:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Beetle Convertible trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $342 for just liability insurance to a high of $2,314 for high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why it is important to compare prices using their specific location and risk profile, rather than using 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.
More Rate Details
The chart below illustrates estimated Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The best discount rate is $613
- Using higher $1,000 deductibles will save $922 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,074
- Using low $100 deductibles for physical damage coverage will increase the cost to $1,364
- Higher-risk drivers who are prone to accidents and violations could pay around $2,314 or more
- The cost for full coverage for a teenage driver can cost $3,932 or more
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may only pay around $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,450 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could cut rates by as much as $450 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $270 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| 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 Find More Affordable Volkswagen Beetle Convertible Insurance
Saving money on auto insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below is a summary of the material that was raised in the charts and tables above.
- Consumers who purchase higher levels of liability will pay an extra $330 annually to increase from a minimum limit to 250/500 limits
- Teenage drivers are the costliest to insure, costing up to $328 per month including comprehensive and collision insurance
- Drivers who have multiple accidents or major violations may pay on average $1,240 more per year for auto insurance
- Increasing deductibles can save around $450 each year
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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