Volkswagen Beetle Convertible Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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U.S. average insurance prices for a Volkswagen Beetle Convertible are $1,024 every 12 months including full coverage. Comprehensive costs an estimated $230, collision insurance costs $380, and liability is $304. Liability-only coverage costs around $346 a year, and high-risk coverage costs around $2,198. Teen drivers pay the highest rates at up to $3,758 a year.
Average premium for full coverage: $1,024
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 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 range from the cheapest price of $346 for minimum levels of liability insurance to the much higher price of $2,198 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why everyone should compare rates quotes for a targeted area 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 Details
The chart below breaks down average Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The lowest rate with discounts is $591
- Raising to $1,000 deductibles will save approximately $140 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,024
- Choosing pricier low deductibles increases the price to $1,290
- At-risk drivers with multiple violations and an at-fault accident could pay up to $2,198
- The price to insure a teen driver for full coverage can cost as much as $3,758
Auto insurance prices for a Volkswagen Beetle Convertible are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $410 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $273 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,200 to $1,700 in extra premium each year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers is expensive and can cost as much as 45% to 131% more than average. View High Risk Driver Rates
The state you live in 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 Vermont, New Hampshire, and Missouri, or as much as $1,460 on average in Louisiana, New York, and Michigan.
| 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 the Best Cheap Volkswagen Beetle Convertible Insurance
Getting lower rates on car insurance consists of being safe and accident-free, having a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a quick review of the data raised in the charts and tables above.
- Policyholders who want more liability protection will pay about $330 per year to raise from a low limit to a 250/500 level
- You may be able to save approximately $120 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $400 each year
- Youthful drivers are the costliest to insure, possibly costing $313 a month if comprehensive and collision insurance is included
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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