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 $1,072 every 12 months for full coverage. Comprehensive costs approximately $196, collision costs $350, and liability coverage is estimated at $390. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $2,322. 16-year-old drivers pay the highest rates at $4,144 a year or more.

Average premium for full coverage: $1,072

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Beetle trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have more infrequent accident claims than congested cities.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using rate averages.

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

Additional Rate Details

The chart below shows estimated Volkswagen Beetle insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $625
• Choosing higher $1,000 deductibles can save $124 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,072
• Buying more expensive low deductibles for comp and collision coverage increases the price to $1,310
• Drivers with multiple tickets or accidents could pay around $2,322 or more
• The price to insure a teenage driver with full coverage can cost $4,144 each year

View Chart as Image

Auto insurance prices for a Volkswagen Beetle are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Beetle.

Opting for high physical damage deductibles can save as much as $370 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $273 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,300 to $1,800 in extra premium each year, depending on your age. High-risk driver insurance ranges around 43% to 135% more than the average rate. 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 $710 a year in states like Iowa, Maine, and Idaho, or at least $1,530 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices 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 Affordable Volkswagen Beetle Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data covered in the charts and tables above.

• Consumers who purchase more liability protection will pay around $430 each year to raise limits from a low limit to a 250/500 level
• Drivers can save around $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $350 each year
• Youthful drivers have the highest car insurance prices, with premiums as much as $345 a month if comprehensive and collision insurance 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.

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.