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 rates for a Volkswagen Beetle are $1,198 a year for full coverage. Comprehensive insurance costs approximately $228 a year, collision insurance costs $450, and liability is estimated at $384. A policy with just liability insurance costs approximately $432 a year, and coverage for high-risk drivers costs $2,604 or more. Teenage drivers pay the highest rates at up to $4,548 a year.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Beetle trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

The ranges above show why it is important to get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $686
• Choosing higher $1,000 deductibles can save $1,044 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,198
• Using low $100 deductibles for comp and collision coverage will cost an extra $300 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,604
• The price for full coverage for a 16-year-old driver can cost $4,548 each year

View Chart as Image

Insurance prices for a Volkswagen Beetle are also quite variable based on your driving record, the trim level of your Beetle, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $460 annually, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $268 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates

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 Find the Best Volkswagen Beetle Insurance

Getting lower rates on insurance for a Volkswagen Beetle takes having a good driving record, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief recap of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,410 more per year to buy Volkswagen Beetle insurance
• Drivers can save around $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $450 each year
• Insureds who purchase increased levels of liability coverage will pay an extra $420 each year to raise limits from a low limit to 250/500 limits

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.