Volkswagen Beetle 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: May 8, 2024

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Are Volkswagen Beetles expensive to insure compared to other vehicles? What are Volkswagen Beetle convertible insurance rates for a 17-year-old driver? Where can I find an affordable VW Beetle auto insurance company?

When it comes to VW Beetle convertible auto insurance quotes, the average VW Beetle insurance cost is $1,216 a year, or $101 a month.

Our guide can help you find the best, and cheapest, VW Beetle car insurance rates.

Read on to learn more about how your VW Beetle premiums are calculated and how drivers can secure cheap car insurance rates.

To start comparing Volkswagen Beetle convertible insurance rates in your area, enter your five-digit ZIP code into our FREE online quote tool above.

U.S. average auto insurance rates for a Volkswagen Beetle are $1,028 annually including full coverage. Comprehensive costs an estimated $184 each year, collision insurance costs $306, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs around $2,224. Teenage drivers pay the highest rates at up to $4,008 a year.

Average premium for full coverage: $1,028

Price estimates broken down by individual coverage:

Comprehensive $184
Collision $306
Liability $402

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Beetle models.

Price Range from Low to High

For the average 40-year-old driver, Volkswagen Beetle insurance prices range from as cheap as $446 for liability-only coverage to a high rate of $2,224 for coverage for higher-risk drivers.

Liability Only $446
Full Coverage $1,028
High Risk $2,224

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $771
Small Cities $1,079
Large Cities $1,388

The ranges above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on 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 insurance rates for other coverage scenarios.

  • The best discount rate is $606
  • Using higher $1,000 deductibles will save approximately $112 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,028
  • Using low deductibles for physical damage coverage will cost $1,244
  • High-risk insureds who are prone to accidents and violations could pay up to $2,224
  • The price with full coverage for a 16-year-old driver can cost as much as $4,008 or more

View Chart as Image

Volkswagen Beetle insurance cost comparison chart
Column chart showing Volkswagen Beetle insurance rates range from $606 to $4,008 for full coverage

Auto insurance prices for a Volkswagen Beetle are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $330 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $281 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volkswagen Beetle insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,470 on average in Louisiana, New York, and Michigan.

Volkswagen Beetle Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $928 -$100 -9.7%
Alaska $788 -$240 -23.3%
Arizona $854 -$174 -16.9%
Arkansas $1,028 -$0 0.0%
California $1,170 $142 13.8%
Colorado $980 -$48 -4.7%
Connecticut $1,056 $28 2.7%
Delaware $1,160 $132 12.8%
Florida $1,282 $254 24.7%
Georgia $950 -$78 -7.6%
Hawaii $738 -$290 -28.2%
Idaho $696 -$332 -32.3%
Illinois $766 -$262 -25.5%
Indiana $776 -$252 -24.5%
Iowa $692 -$336 -32.7%
Kansas $976 -$52 -5.1%
Kentucky $1,400 $372 36.2%
Louisiana $1,522 $494 48.1%
Maine $634 -$394 -38.3%
Maryland $848 -$180 -17.5%
Massachusetts $820 -$208 -20.2%
Michigan $1,782 $754 73.3%
Minnesota $860 -$168 -16.3%
Mississippi $1,232 $204 19.8%
Missouri $912 -$116 -11.3%
Montana $1,102 $74 7.2%
Nebraska $808 -$220 -21.4%
Nevada $1,232 $204 19.8%
New Hampshire $742 -$286 -27.8%
New Jersey $1,150 $122 11.9%
New Mexico $908 -$120 -11.7%
New York $1,082 $54 5.3%
North Carolina $592 -$436 -42.4%
North Dakota $844 -$184 -17.9%
Ohio $708 -$320 -31.1%
Oklahoma $1,054 $26 2.5%
Oregon $942 -$86 -8.4%
Pennsylvania $980 -$48 -4.7%
Rhode Island $1,370 $342 33.3%
South Carolina $932 -$96 -9.3%
South Dakota $868 -$160 -15.6%
Tennessee $900 -$128 -12.5%
Texas $1,238 $210 20.4%
Utah $760 -$268 -26.1%
Vermont $700 -$328 -31.9%
Virginia $616 -$412 -40.1%
Washington $792 -$236 -23.0%
West Virginia $942 -$86 -8.4%
Wisconsin $710 -$318 -30.9%
Wyoming $914 -$114 -11.1%

View Chart as Image

Volkswagen Beetle insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Volkswagen Beetle Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Beetle S 2-Dr Hatchback $994 $83
Volkswagen Beetle 2-Dr Convertible $930 $78

Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen Beetle Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Volkswagen Beetle $238 $484 $376 $1,234
2018 Volkswagen Beetle $228 $450 $384 $1,198
2017 Volkswagen Beetle $218 $424 $388 $1,166
2016 Volkswagen Beetle $210 $380 $390 $1,116
2015 Volkswagen Beetle $196 $350 $390 $1,072
2014 Volkswagen Beetle $190 $328 $394 $1,048
2013 Volkswagen Beetle $184 $306 $402 $1,028
2012 Volkswagen Beetle $172 $284 $402 $994
2010 Volkswagen Beetle $156 $236 $402 $930
2007 Volkswagen Beetle $140 $188 $390 $854
2006 Volkswagen Beetle $136 $178 $384 $834
2004 Volkswagen Beetle $120 $162 $376 $794

Rates are averaged for all Volkswagen Beetle 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 Cheaper Volkswagen Beetle Insurance

Getting lower rates on insurance for a Volkswagen Beetle requires being safe and accident-free, having above-average credit, being claim-free, and consideration of higher deductibles. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save approximately $120 per year just by quoting online in advance
  • Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,200 more annually than a low-risk driver
  • Increasing physical damage deductibles could save up to $325 each year
  • Youthful drivers are the costliest to insure, possibly costing $334 a month if full coverage is included

If your Volkswagen Beetle convertible insurance costs seem high, it may be because of your driving record or age. To find savings on Volkswagen Beetle costs, make sure you are comparing quotes for VW Beetle convertible insurance coverages.

As you’ve learned, your VW Beetle insurance group and your VW Beetle car insurance rates will change depending on the age of your model and the trim level you’ve chosen. The cost of a new VW Beetle convertible for car insurance will be more than an older model.

How much is a punch buggy Convertible? A 2019 model will cost you around $21,000, however remember to factor ini your Volkswagen Beetle car insurance rates when budgeting.

Ready to find out how much does a Volkswagen Beetle Convertible cost in your area? Enter your ZIP code in our free tool below to find out everything from how much is insurance for a 2000 Volkswagen Beetle to how much does a 2005 Volkswagen Beetle cost to insure.

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What are the safety ratings of the Volkswagen Beetle Convertible?

Now that we’re answered your questions of how much does a Volkswagen Beetle cost to insure, and how much is a Volkswagen Beetle to maintain, let’s explore safety features and details.

The Volkswagen Beetle insurance cost depends partly on Volkswagen Beetle Convertible safety ratings and features. The Volkswagen Beetle Convertible has some great safety features, such as a rearview camera, blind-spot monitoring, and rear cross-traffic alert.

However, the Insurance Institute for Highway Safety (IIHS) has not crash-tested the convertible model of the VW Beetle. The IIHS has tested the hatchback model, though, which received subpar ratings.

See details about the Volkswagen Beetle Convertible crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.

Volkswagen Beetle Convertible Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2019 Volkswagen Beetle C FWDN/RN/RN/RN/R
2018 Volkswagen Beetle C FWDN/RN/RN/RN/R
2018 Volkswagen Beetle 2 DR FWDN/R4 starsN/R4 stars
2017 Volkswagen Beetle C FWDN/RN/RN/RN/R
2017 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2016 Volkswagen Beetle C FWDN/RN/RN/RN/R
2016 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2015 Volkswagen Beetle C FWDN/RN/RN/RN/R
2015 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2014 Volkswagen Beetle C FWDN/RN/RN/RN/R
2014 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2013 Volkswagen Beetle C FWDN/RN/RN/RN/R
2013 Volkswagen Beetle 2 DR FWD5 stars4 stars5 stars4 stars
2012 Volkswagen Beetle 2 DR FWD4 stars4 stars5 stars4 stars

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. While some of the above crash tests are not for the convertible model, the VW Beetle Bug received mediocre ratings over the years, regardless of the time level.

Volkswagen Beetle Convertible Compared Against Other Vehicles in the Same Class

How much is a VW Beetle convertible’s liability insurance? The cost of VW Beetle convertible car insurance partially depends on the size and class.

The VW Beetle is classified as a small car, so it likely won’t be able to do much damage to other vehicles. Unless it is prone to crashing, it won’t have high rates.

See the Volkswagen Beetle Convertible insurance loss probability details in the table below.

Volkswagen Beetle Convertible Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-15%
Property Damage-23%
Comprehensive-22%
Personal Injury-27%
Medical Payment-39%
Bodily Injury-23%

The higher the percentage, the worst the insurance loss ratio. Unlike the generic VW Beetle, the Volkswagen Beetle Convertible performs above average in every category, making it cheaper to insure.

To see how much is insurance on a convertible VW Beetle in comparison to other small cars, view the list below.

You are now an expert on finding affordable car insurance for the VW Beetle Convertible. Even if you are looking for auto insurance for a 1972 VW Beetle, you should be able to find great auto insurance quotes in your area.

How much does it cost to insure a VW Beetle in your area? Find out by entering your five-digit ZIP code into our FREE online tool and start comparing the best VW insurance group rates.

Rates by Driver Age

Volkswagen Beetle Insurance Rates by Driver Age
Driver Age Premium
16 $4,008
20 $2,368
30 $1,058
40 $1,028
50 $942
60 $924

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Beetle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,244
$250 $1,144
$500 $1,028
$1,000 $916

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Beetle Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,028
50/100 $992
100/300 $1,070
250/500 $1,273
100 CSL $1,024
300 CSL $1,195
500 CSL $1,320

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Beetle Insurance Rates for High Risk Drivers
Age Premium
16 $5,688
20 $3,772
30 $2,258
40 $2,224
50 $2,122
60 $2,104

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 $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $55
Homeowner $17
5-yr Accident Free $69
5-yr Claim Free $66
Paid in Full/EFT $42
Advance Quote $48
Online Quote $71
Total Discounts $422
Rate after discounts $606

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

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