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 insurance rates for a Volkswagen Beetle are $1,028 a year for full coverage insurance. Comprehensive insurance costs an estimated $184 each year, collision costs $306, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,224 or more. Teenage drivers pay the most at $4,008 a year or more.

Average premium for full coverage: $1,028

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These rate differences illustrate why all drivers should compare rates for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Volkswagen Beetle insurance rates for other coverage scenarios.

• The best discount rate is $606
• Drivers who choose higher $1,000 deductibles will pay approximately $112 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,028
• Using low deductibles for comprehensive and collision insurance will cost an extra $216 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,224 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $4,008 a year

View Chart as Image

Insurance prices for a Volkswagen Beetle also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Volkswagen Beetle insurance prices. A 40-year-old driver could pay as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,390 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $330 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $281 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

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 Find Low Cost Volkswagen Beetle Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a review of the data touched on in this article.

• Policyholders who want more liability protection will pay an extra $440 annually to go from 30/60 bodily injury limits to 250/500 limits
• It is possible to save approximately $120 per year simply by quoting online in advance
• Increasing policy deductibles can save around $325 each year
• Youthful drivers are charged the highest prices, with premiums being up to $334 per month for full coverage

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.