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 auto insurance rates for a Volkswagen Beetle are $1,072 annually with full coverage. Comprehensive insurance costs on average $196 each year, collision insurance costs $350, and liability is $390. Liability-only coverage costs around $438 a year, and high-risk coverage costs $2,322 or more. Teen drivers pay the highest rates at up to $4,144 a year.

Average premium for full coverage: $1,072

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Beetle models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have fewer collision claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below details average Volkswagen Beetle insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $625
• Raising to $1,000 deductibles will save around $124 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,072
• Choosing low deductibles costs an additional $238 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,322
• The price with full coverage for a 16-year-old driver may cost $4,144

View Chart as Image

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

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. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $370 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $273 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Volkswagen Beetle insurance prices. A middle-age driver might find prices as low as $770 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,450 on average in Florida, Michigan, and New York.

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 Cheaper Volkswagen Beetle Insurance

Getting lower rates on insurance for a Volkswagen Beetle consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a condensed summary of the material that was presented in the illustrations above.

• Insureds who require higher levels of liability will pay about $430 every year to raise from a low limit to higher 250/500 limits
• Teenage drivers are charged the highest prices, costing up to $345 a month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,250 more each year for auto insurance
• Increasing physical damage deductibles could save up to $350 each year

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.