Volkswagen Beetle Insurance Rates

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UPDATED: Mar 15, 2023

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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.

Estimated auto insurance rates for a Volkswagen Beetle are $1,198 annually including full coverage. Comprehensive insurance costs on average $228 each year, collision insurance costs $450, and liability is estimated at $384. A policy with only liability insurance costs approximately $432 a year, and a high-risk policy costs $2,604 or more. 16-year-old drivers pay the most at up to $4,548 a year.

Average premium for full coverage: $1,198

Premium estimates by type of coverage:

Comprehensive $228
Collision $450
Liability $384

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Beetle models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Volkswagen Beetle range from as cheap as $432 for basic liability insurance to a high rate of $2,604 for high-risk insurance.

Liability Only $432
Full Coverage $1,198
High Risk $2,604

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

These rate differences highlight why all drivers should get quotes based on a specific location and their own personal driving habits, instead of 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.

Rate Comparisons

The chart below breaks down average Volkswagen Beetle insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $686
  • Choosing higher $1,000 deductibles can save around $154 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,198
  • Buying low deductibles for comp and collision coverage costs an additional $300 every year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,604
  • An auto insurance policy with full coverage for a teen driver may cost $4,548 each year

View Chart as Image

Volkswagen Beetle insurance cost comparison chart
Column chart showing Volkswagen Beetle insurance prices range from $686 to $4,548 for full coverage

Car insurance prices for a Volkswagen Beetle also have a wide range based on the model of your Beetle, your driving characteristics, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $460 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $268 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,710 on average in Michigan, New York, and Louisiana.

Volkswagen Beetle Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,080 -$118 -9.8%
Alaska $916 -$282 -23.5%
Arizona $992 -$206 -17.2%
Arkansas $1,198 -$0 0.0%
California $1,364 $166 13.9%
Colorado $1,142 -$56 -4.7%
Connecticut $1,228 $30 2.5%
Delaware $1,352 $154 12.9%
Florida $1,496 $298 24.9%
Georgia $1,106 -$92 -7.7%
Hawaii $860 -$338 -28.2%
Idaho $810 -$388 -32.4%
Illinois $890 -$308 -25.7%
Indiana $902 -$296 -24.7%
Iowa $808 -$390 -32.6%
Kansas $1,134 -$64 -5.3%
Kentucky $1,634 $436 36.4%
Louisiana $1,772 $574 47.9%
Maine $738 -$460 -38.4%
Maryland $986 -$212 -17.7%
Massachusetts $954 -$244 -20.4%
Michigan $2,076 $878 73.3%
Minnesota $1,002 -$196 -16.4%
Mississippi $1,434 $236 19.7%
Missouri $1,060 -$138 -11.5%
Montana $1,284 $86 7.2%
Nebraska $942 -$256 -21.4%
Nevada $1,434 $236 19.7%
New Hampshire $862 -$336 -28.0%
New Jersey $1,336 $138 11.5%
New Mexico $1,058 -$140 -11.7%
New York $1,260 $62 5.2%
North Carolina $688 -$510 -42.6%
North Dakota $980 -$218 -18.2%
Ohio $824 -$374 -31.2%
Oklahoma $1,228 $30 2.5%
Oregon $1,096 -$102 -8.5%
Pennsylvania $1,140 -$58 -4.8%
Rhode Island $1,596 $398 33.2%
South Carolina $1,086 -$112 -9.3%
South Dakota $1,010 -$188 -15.7%
Tennessee $1,048 -$150 -12.5%
Texas $1,442 $244 20.4%
Utah $884 -$314 -26.2%
Vermont $818 -$380 -31.7%
Virginia $716 -$482 -40.2%
Washington $922 -$276 -23.0%
West Virginia $1,098 -$100 -8.3%
Wisconsin $828 -$370 -30.9%
Wyoming $1,066 -$132 -11.0%

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 $1,150 $96
Volkswagen Beetle 2-Dr Convertible $1,108 $92

Rates assume 2017 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
2017 Volkswagen Beetle $228 $450 $384 $1,198
2016 Volkswagen Beetle $218 $424 $388 $1,166
2014 Volkswagen Beetle $196 $350 $390 $1,072
2013 Volkswagen Beetle $190 $328 $394 $1,048
2012 Volkswagen Beetle $184 $306 $402 $1,028
2010 Volkswagen Beetle $166 $258 $406 $966
2007 Volkswagen Beetle $142 $192 $398 $868
2006 Volkswagen Beetle $140 $188 $390 $854
2004 Volkswagen Beetle $126 $170 $380 $812

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 the Best Volkswagen Beetle Insurance

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by getting quotes from direct car insurance companies, and also from several local insurance agents.

Below you'll find a brief recap of the material that was touched on in this article.

  • Policyholders who require more liability protection will pay around $420 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • Youthful drivers are expensive to insure, with the cost nearing $379 per month if comprehensive and collision insurance is included
  • Higher risk drivers who tend to receive serious violations pay on average $1,410 more each year than a low-risk driver
  • Increasing policy deductibles could save up to $450 each year

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
Property Damage-23%
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 $4,548
20 $2,782
30 $1,242
40 $1,198
50 $1,098
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Beetle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,498
$250 $1,358
$500 $1,198
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Beetle Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
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 Insurance Rates for High Risk Drivers
Age Premium
16 $6,492
20 $4,432
30 $2,658
40 $2,604
50 $2,486
60 $2,466

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 $170

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $88
5-yr Claim Free $78
Paid in Full/EFT $54
Advance Quote $60
Online Quote $85
Total Discounts $512
Rate after discounts $686

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

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