Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average auto insurance rates for a Volkswagen Beetle Convertible are $1,074 annually including full coverage. Comprehensive insurance costs around $240, collision costs $424, and liability insurance costs around $300. Liability-only insurance costs as low as $342 a year, with high-risk driver insurance costing $2,314 or more. 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:
Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Beetle Convertible models.
Price Range Variability
For the average driver, Volkswagen Beetle Convertible insurance rates go from as cheap as $342 for just liability insurance to the much higher price of $2,314 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates how location impacts auto insurance rates.
The examples above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, 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.
More Rate Details
The chart below breaks down estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The best discount rate is $613
- Using higher $1,000 deductibles will save about $152 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,074
- Using pricier low deductibles for physical damage coverage costs an additional $290 a year
- Drivers who are prone to accidents and violations could pay at least $2,314 or more
- Policy cost with full coverage for a teen driver for full coverage can be $3,932 or more
Auto insurance rates for a Volkswagen Beetle Convertible also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have 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 caused a few accidents, you are likely paying at least $1,300 to $1,700 in extra premium every year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $450 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $270 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,530 on average in Michigan, New York, and Louisiana.
| 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 best way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.
| 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 Buy the Best Volkswagen Beetle Convertible Insurance
Finding cheaper rates on Volkswagen Beetle Convertible insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief recap of the data that was touched on above.
- You may be able to 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 per year to increase from a 30/60 limit to higher 250/500 limits
- Teen drivers are expensive to insure, with premiums being up to $328 each month if full coverage is included
- High-risk drivers who tend to receive serious violations 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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