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 $1,072 a year including full coverage. Comprehensive insurance costs an estimated $196, collision costs $350, and liability is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing $2,322 or more. 16-year-old drivers pay the most at $4,144 a year or more.

Average premium for full coverage: $1,072

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates how where you live affects insurance prices.

These rate differences highlight why everyone should compare rates quotes for a targeted area, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $625
• Raising to $1,000 deductibles will save approximately $124 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,072
• Buying pricier low deductibles will cost an additional $238 every year
• At-risk drivers with multiple tickets or accidents could pay up to $2,322 or more
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,144

View Chart as Image

Insurance prices for a Volkswagen Beetle also have a wide range based on the model of your Beetle, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,300 to $1,800 extra annually, depending on your age. Volkswagen Beetle insurance for high-risk drivers is expensive and can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,100 a year. View Rates by Age

Where you choose to live also has a big influence on Volkswagen Beetle insurance prices. A middle-age driver might find prices as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,530 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $370 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $273 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

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 Cheaper Volkswagen Beetle Insurance

Finding better rates on car insurance consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the data touched on in the above illustrations.

• Policyholders who want more liability coverage will pay around $430 per year to raise from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $350 each year
• Teen drivers are charged the highest prices, with the cost nearing $345 per month if full coverage is included

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.