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 for full coverage insurance. Comprehensive costs approximately $250 each year, collision costs $450, and liability coverage costs $298. Buying just liability costs as little as $340 a year, with insurance for high-risk drivers costing around $2,388. Teens receive the highest rates at $4,036 a year or more.
Average premium for full coverage: $1,108
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Beetle Convertible models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $340 for a discount liability-only rate to a high rate of $2,388 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance prices.
These examples illustrate why all drivers should compare rates using their specific location and risk profile, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates estimated Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $630
- Drivers who choose higher $1,000 deductibles will pay $160 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,108
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,416
- High-risk insureds with serious driving violations could pay around $2,388 or more
- The cost for full coverage for a teenage driver can cost $4,036 a year
Auto insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age
Where you live makes a big difference in Volkswagen Beetle Convertible insurance rates. A 40-year-old driver could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,490 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $470 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $268 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 131% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every company calculates rates differently, and quoted rates can be significantly different from one company to the next.
| 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 auto insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The list below is a brief summary of the information presented in the illustrations above.
- It is possible to save around $140 per year simply by quoting online in advance
- Teenagers have the highest car insurance rates, costing up to $336 per month if they have full coverage
- Increasing deductibles can save around $475 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,280 more per year for car insurance
- Consumers who purchase higher liability limits will pay approximately $330 annually to go 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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