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 $1,024 a year for full coverage. Comprehensive costs around $230, collision costs $380, and liability coverage costs around $304. A policy with just liability insurance costs as low as $346 a year, with coverage for high-risk drivers costing around $2,198. 16-year-old drivers receive the highest rates at $3,758 a year or more.
Average premium for full coverage: $1,024
Rate estimates for individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Beetle Convertible models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $346 for your basic liability-only policy to the much higher price of $2,198 for high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why everyone should compare prices for a specific zip code and risk profile, rather than using rate 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.
More Rate Information
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $591
- Using higher $1,000 deductibles will save about $140 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,024
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,290
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,198 or more
- The cost for full coverage for a teenage driver for full coverage can be $3,758 or more
Insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the trim level of your Beetle Convertible, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $3,700 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see rates as low as $680 a year in states like Idaho, Maine, and Iowa, or at least $1,460 on average in Michigan, Louisiana, 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% |
Opting for high physical damage deductibles could cut rates by as much as $410 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,200 to $1,700 additional per year, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can be around 45% to 131% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.
| 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 Affordable Volkswagen Beetle Convertible Insurance
Saving money on auto insurance requires having a decent driving record, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The following items are a brief review of the material that was covered above.
- Consumers who may need additional liability coverage will pay around $330 each year to increase from a minimum limit to 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, costing as high as $313 per month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,170 more every year than a driver with a clean driving record
- Increasing deductibles can save around $400 each year
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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