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.

The average auto insurance rates for a Volkswagen Beetle are $1,048 annually with full coverage. Comprehensive insurance costs approximately $190, collision costs $328, and liability insurance is $394. Liability-only insurance costs around $440 a year, with high-risk driver insurance costing $2,268 or more. Teenage drivers cost the most to insure at $4,068 a year or more.

Average premium for full coverage: $1,048

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Beetle trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

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

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $614
• Raising to $1,000 deductibles will save $118 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,048
• Using more expensive low deductibles costs an additional $226 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,268 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $4,068

View Chart as Image

Auto insurance rates for a Volkswagen Beetle also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $350 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $276 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Volkswagen Beetle insurance rates. A middle-age driver might find rates as low as $750 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,410 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 the Best Volkswagen Beetle Insurance

Finding cheaper rates on Volkswagen Beetle insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief recap of the material that was touched on above.

• Drivers who purchase higher liability limits will pay an extra $430 every year to raise from a 30/60 limit to higher 250/500 limits
• Teenagers have the highest car insurance rates, as much as $339 each month if full coverage is included
• High-risk drivers who tend to receive serious violations may pay on average $1,220 more per year for car insurance
• Increasing comprehensive and collision 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.