Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Estimated insurance prices for a Volkswagen Beetle Convertible are $1,024 every 12 months including full coverage. Comprehensive costs on average $230, collision insurance costs $380, and liability is $304. A liability-only policy costs around $346 a year, and high-risk insurance costs around $2,198. Teen drivers pay the most at up to $3,758 a year.
Average premium for full coverage: $1,024
Premium estimates by type of coverage:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Beetle Convertible trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Volkswagen Beetle Convertible range from the cheapest price of $346 for the bare minimum liability coverage to a much higher rate of $2,198 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using price averages.
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 breaks down average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $591
- Raising to $1,000 deductibles will save around $140 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,024
- Choosing more expensive low deductibles increases the price to $1,290
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,198
- An auto insurance policy to insure a teen driver with full coverage may cost $3,758
Auto insurance prices for a Volkswagen Beetle Convertible also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Beetle Convertible.
Choosing high deductibles can reduce prices by up to $410 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $273 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $3,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 131% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Volkswagen Beetle Convertible insurance prices. A middle-age driver might find prices as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or as much as $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% |
| 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 Shop for Cheap Volkswagen Beetle Convertible Insurance
Finding better rates on car insurance consists of being a safe and courteous driver, having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below is a brief summary of the car insurance concepts illustrated above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,170 more each year for auto insurance
- You may be able to save as much as $120 per year just by shopping early and online
- Increasing policy deductibles could save as much as $400 each year
- Policyholders who require higher levels of liability will pay about $330 per year to raise from 30/60 bodily injury limits to a 250/500 level
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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