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.

Average auto insurance rates for a Volkswagen Beetle are $1,072 annually for full coverage. Comprehensive costs an estimated $196 each year, collision insurance costs $350, and liability is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $2,322. Teens receive the highest rates at up to $4,144 a year.

Average premium for full coverage: $1,072

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and Beetle models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on insurance prices.

These examples show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows average Volkswagen Beetle insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $625
• Raising to $1,000 deductibles will save approximately $124 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,072
• Selecting low deductibles will cost $1,310
• Drivers with serious driving violations could pay up to $2,322
• The cost with full coverage for a 16-year-old driver can cost as much as $4,144

View Chart as Image

Auto insurance rates for a Volkswagen Beetle can also vary considerably based on the trim level of your Beetle, your driver profile, 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 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $370 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $273 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen Beetle insurance prices. A middle-age driver might find rates as low as $710 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,530 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 More Affordable Volkswagen Beetle Insurance

Saving money on insurance for a Volkswagen Beetle consists of being a good driver, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to compare rates at every other renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,250 more annually than a safer driver
• Drivers age 16 to 20 are the costliest to insure, costing as high as $345 per month if full coverage is included
• Drivers can save approximately $130 per year just by quoting online in advance
• Increasing deductibles could save up to $350 each year
• Drivers can save approximately $130 per year just by quoting online in advance

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.