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 insurance rates for a Volkswagen Beetle are $1,072 a year for full coverage. Comprehensive insurance costs on average $196 each year, collision insurance costs $350, and liability costs $390. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs $2,322 or more. Teen drivers cost the most to insure at up to $4,144 a year.

Average premium for full coverage: $1,072

Policy rates by type of insurance:

Prices include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Beetle models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above show why all drivers should compare rates based on a specific location, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $625
• Drivers who choose higher $1,000 deductibles will pay around $124 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,072
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $238 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,322
• Policy cost that insures a teen driver may cost $4,144 a year

View Chart as Image

Auto insurance rates for a Volkswagen Beetle also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,300 to $1,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,100 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Beetle insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $370 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $273 extra every year. View Rates by Deductible or Liability Limit

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 the Right Volkswagen Beetle Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a quick rundown of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $130 per year just by quoting online in advance
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,250 more each year for Beetle insurance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Teens are charged the highest rates, costing up to $345 each month if the policy includes 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.

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.