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.

U.S. average insurance prices for a Volkswagen Beetle are $1,048 every 12 months for full coverage. Comprehensive costs around $190 each year, collision costs $328, and liability insurance is estimated at $394. Liability-only insurance costs approximately $440 a year, with high-risk driver insurance costing around $2,268. Teens pay the highest rates at $4,068 a year or more.

Average premium for full coverage: $1,048

Price estimates for individual coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Beetle models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

The chart below shows estimated Volkswagen Beetle insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $614
• Choosing higher $1,000 deductibles can save about $118 a year
• The average price for the average middle-age driver using $500 deductibles is $1,048
• Selecting low deductibles for comp and collision coverage increases the price to $1,274
• High-risk insureds with serious driving violations could pay at least $2,268 or more
• The price to insure a teen driver can be $4,068 each year

View Chart as Image

Car insurance prices for a Volkswagen Beetle are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 each year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $276 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 138% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,490 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes may be quite different.

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 Shop for Cheap Volkswagen Beetle Insurance

Getting lower rates on Volkswagen Beetle insurance takes avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the information covered above.

• Drivers can save up to $120 per year simply by quoting online in advance
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $339 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $350 each year
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,220 more every year to insure a Volkswagen Beetle
• Drivers who may need increased liability limits will pay approximately $430 each year to raise limits from a low limit to a 250/500 level

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.

Volkswagen Beetle Convertible Crash Test Ratings

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

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.