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 for full coverage insurance. Comprehensive insurance costs an estimated $230, collision insurance costs $380, and liability coverage costs around $304. Liability-only insurance costs as low as $346 a year, and high-risk driver insurance costs $2,198 or more. 16-year-old 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:
Prices are based on $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 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 just liability insurance to the much higher price of $2,198 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities. The example below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why everyone should compare prices for a targeted area and their own driving history, 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 Details
The chart below illustrates average Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The best full coverage rate is $591
- Using higher $1,000 deductibles will save approximately $140 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,024
- Buying pricier low deductibles for physical damage coverage costs an extra $266 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,198
- The price to insure a teenage driver for full coverage can cost as much as $3,758 or more
Car insurance prices for a Volkswagen Beetle Convertible are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $410 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged 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 probably paying $1,200 to $1,700 extra each 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
The state you live in has a huge impact on Volkswagen Beetle Convertible insurance rates. A driver around age 40 might see prices as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,380 on average in Florida, 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 Affordable Volkswagen Beetle Convertible Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief review of the coverage data raised in the charts and tables above.
- It is possible 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
- Teens have the highest car insurance prices, as much as $313 a month if the policy includes full coverage
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,170 more annually for Beetle Convertible insurance
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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