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 $1,108 a year including full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $450, and liability insurance is $298. A liability-only policy costs around $340 a year, and high-risk insurance costs $2,388 or more. Teenage drivers receive the highest rates at up to $4,036 a year.
Average premium for full coverage: $1,108
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Beetle Convertible models.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $340 for basic liability insurance to a high rate of $2,388 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.
These examples highlight why all drivers should compare rates quotes based on a specific location and risk profile, 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.
Rate Comparisons
The chart below breaks down average Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best discount rate is $630
- Raising to $1,000 deductibles will save around $160 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,108
- Using low deductibles will cost an extra $308 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,388
- The cost for full coverage for a teen driver may cost $4,036
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the model of your Beetle Convertible, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,000 a year. View Rates by Age
Where you live also has a big influence on Volkswagen Beetle Convertible insurance rates. A middle-age driver might find rates as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,580 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,002 | -$106 | -9.6% |
| Alaska | $848 | -$260 | -23.5% |
| Arizona | $918 | -$190 | -17.1% |
| Arkansas | $1,108 | -$0 | 0.0% |
| California | $1,260 | $152 | 13.7% |
| Colorado | $1,056 | -$52 | -4.7% |
| Connecticut | $1,136 | $28 | 2.5% |
| Delaware | $1,250 | $142 | 12.8% |
| Florida | $1,382 | $274 | 24.7% |
| Georgia | $1,024 | -$84 | -7.6% |
| Hawaii | $794 | -$314 | -28.3% |
| Idaho | $748 | -$360 | -32.5% |
| Illinois | $824 | -$284 | -25.6% |
| Indiana | $832 | -$276 | -24.9% |
| Iowa | $748 | -$360 | -32.5% |
| Kansas | $1,048 | -$60 | -5.4% |
| Kentucky | $1,508 | $400 | 36.1% |
| Louisiana | $1,638 | $530 | 47.8% |
| Maine | $682 | -$426 | -38.4% |
| Maryland | $912 | -$196 | -17.7% |
| Massachusetts | $884 | -$224 | -20.2% |
| Michigan | $1,920 | $812 | 73.3% |
| Minnesota | $926 | -$182 | -16.4% |
| Mississippi | $1,324 | $216 | 19.5% |
| Missouri | $980 | -$128 | -11.6% |
| Montana | $1,188 | $80 | 7.2% |
| Nebraska | $870 | -$238 | -21.5% |
| Nevada | $1,326 | $218 | 19.7% |
| New Hampshire | $798 | -$310 | -28.0% |
| New Jersey | $1,234 | $126 | 11.4% |
| New Mexico | $978 | -$130 | -11.7% |
| New York | $1,166 | $58 | 5.2% |
| North Carolina | $636 | -$472 | -42.6% |
| North Dakota | $906 | -$202 | -18.2% |
| Ohio | $764 | -$344 | -31.0% |
| Oklahoma | $1,136 | $28 | 2.5% |
| Oregon | $1,014 | -$94 | -8.5% |
| Pennsylvania | $1,054 | -$54 | -4.9% |
| Rhode Island | $1,476 | $368 | 33.2% |
| South Carolina | $1,004 | -$104 | -9.4% |
| South Dakota | $934 | -$174 | -15.7% |
| Tennessee | $968 | -$140 | -12.6% |
| Texas | $1,332 | $224 | 20.2% |
| Utah | $818 | -$290 | -26.2% |
| Vermont | $756 | -$352 | -31.8% |
| Virginia | $664 | -$444 | -40.1% |
| Washington | $852 | -$256 | -23.1% |
| West Virginia | $1,016 | -$92 | -8.3% |
| Wisconsin | $766 | -$342 | -30.9% |
| Wyoming | $984 | -$124 | -11.2% |
Using high physical damage deductibles can reduce rates by up to $470 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $268 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $260 | $484 | $292 | $1,146 |
| 2018 Volkswagen Beetle Convertible | $250 | $450 | $298 | $1,108 |
| 2016 Volkswagen Beetle Convertible | $230 | $380 | $304 | $1,024 |
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 Cheap Volkswagen Beetle Convertible Insurance
Saving money on Volkswagen Beetle Convertible insurance consists of avoiding accidents and violations, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The list below is a brief summary of the car insurance concepts covered in the above illustrations.
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,280 more each year for car insurance
- You may be able to save as much as $140 per year just by quoting online in advance
- Increasing deductibles can save around $475 each year
- Drivers who require higher liability limits will pay an extra $330 per year to raise from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,036 |
| 20 | $2,536 |
| 30 | $1,160 |
| 40 | $1,108 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,272 |
| $500 | $1,108 |
| $1,000 | $948 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,108 |
| 50/100 | $1,168 |
| 100/300 | $1,242 |
| 250/500 | $1,436 |
| 100 CSL | $1,197 |
| 300 CSL | $1,361 |
| 500 CSL | $1,481 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,780 |
| 20 | $4,040 |
| 30 | $2,446 |
| 40 | $2,388 |
| 50 | $2,278 |
| 60 | $2,256 |
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 | $60 |
| Multi-vehicle | $58 |
| Homeowner | $16 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $52 |
| Advance Quote | $56 |
| Online Quote | $80 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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