Volkswagen Beetle Convertible Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 28, 2024

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The average auto insurance rates for a Volkswagen Beetle Convertible are $1,108 annually including full coverage. Comprehensive insurance costs approximately $250 each year, collision insurance costs $450, and liability coverage costs around $298. Liability-only coverage costs as low as $340 a year, and high-risk coverage costs $2,388 or more. Teenage drivers cost the most to insure at up to $4,036 a year.

Average premium for full coverage: $1,108

Policy rates by type of insurance:

Comprehensive $250
Collision $450
Liability $298

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Beetle Convertible models.

Price Range Variability

Using a middle-aged driver as an example, Volkswagen Beetle Convertible insurance rates range from as cheap as $340 for liability-only coverage to a high rate of $2,388 for coverage for higher-risk drivers.

Liability Only $340
Full Coverage $1,108
High Risk $2,388

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

Rural Areas $831
Small Cities $1,163
Large Cities $1,496

The examples above highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than using 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.

Additional Charts and Tables

The chart below breaks down average Volkswagen Beetle Convertible insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $630
  • Using higher $1,000 deductibles will save $160 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,108
  • Using low deductibles for physical damage coverage costs an additional $308 each year
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,388
  • Policy cost with full coverage for a teenage driver can cost $4,036 or more

View Chart as Image

Volkswagen Beetle Convertible insurance cost comparison chart
Column chart showing Volkswagen Beetle Convertible insurance prices range from $630 to $4,036 for full coverage

Insurance rates for a Volkswagen Beetle Convertible also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $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 should be prepared to pay in the ballpark of $4,000 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 anywhere from $1,300 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers can be around 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $470 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $268 more each 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 $850 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,580 on average in Louisiana, New York, and Michigan.

Volkswagen Beetle Convertible Insurance Rates by State
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%

View Chart as Image

Volkswagen Beetle Convertible insurance rates by U.S. city
Volkswagen Beetle Convertible Insurance Rates by Model Year
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 Buy the Best Cheap Volkswagen Beetle Convertible Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick review of the primary concepts that were touched on in the above illustrations.

  • You may be able to save around $140 per year just by quoting online in advance
  • Drivers with a DUI or reckless driving violation may have to pay on average $1,280 more per year for car insurance
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • Teenagers are the costliest to insure, with premiums being up to $336 each month if they have full coverage

Rates by Driver Age

Volkswagen Beetle Convertible Insurance 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

Volkswagen Beetle Convertible Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,272
$500 $1,108
$1,000 $948

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Beetle Convertible Insurance Rates with Different Liability Limits
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

Volkswagen Beetle Convertible Insurance 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.

SR-22 Surcharge $156

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
Rate after discounts $630

Discounts are estimated and may not be available from every company or in every state.

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