Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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U.S. average insurance rates for a Volkswagen Beetle Convertible are $1,024 a year with full coverage. Comprehensive costs around $230, collision costs $380, and liability is estimated at $304. Liability-only insurance costs approximately $346 a year, with high-risk driver insurance costing around $2,198. Teen drivers pay the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Price estimates for individual coverage:
Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Beetle Convertible models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen Beetle Convertible insurance prices go from the low end price of $346 for basic liability insurance to the much higher price of $2,198 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why everyone should get quotes for a specific zip code, instead of making a decision based on 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.
Rate Comparisons
The chart below details estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $591
- Choosing higher $1,000 deductibles can save about $140 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,024
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,290
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,198 or more
- The price that insures a 16-year-old driver for full coverage can be $3,758 each year
Car insurance prices for a Volkswagen Beetle Convertible are also quite variable based on the model of your Beetle Convertible, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,200 to $1,700 extra each year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers ranges from 45% to 131% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $3,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volkswagen Beetle Convertible insurance prices. A good driver about age 40 could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,380 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can save as much as $410 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.
| 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 Find Cheaper Volkswagen Beetle Convertible Insurance
Getting lower rates on insurance for a Volkswagen Beetle Convertible takes being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around at every other renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
Below is a condensed summary of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,170 more every year for auto insurance
- Teenage drivers are the costliest to insure, costing up to $313 a month if full coverage is purchased
- You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $400 each year
- You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
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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