Volkswagen Beetle Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

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.

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.

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.

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.

• Honda Civic
• Subaru BRZ
• Volkswagen Beetle

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.