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 prices for a Volkswagen Beetle are $1,072 every 12 months with full coverage. Comprehensive insurance costs an estimated $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. Teens pay the most at up to $4,144 a year.

Average premium for full coverage: $1,072

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

These rate differences demonstrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below details average Volkswagen Beetle insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $625
• Raising to $1,000 deductibles will save approximately $124 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,072
• Selecting low deductibles costs an extra $238 annually
• Drivers with serious driving violations could pay up to $2,322
• An auto insurance policy to insure a 16-year-old driver can cost as much as $4,144

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $370 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $273 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $4,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average policy. View High Risk Driver Rates

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 $770 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,450 on average in New York, Michigan, and Florida.

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 Shop for the Cheapest Volkswagen Beetle Insurance

Finding better rates on insurance for a Volkswagen Beetle consists of avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The points below are a recap of the data touched on above.

• Insureds who want increased liability limits will pay approximately $430 every year to raise from 30/60 bodily injury limits to a 250/500 level
• You may be able to save approximately $130 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $350 each year
• Drivers under the age of 20 are charged the highest prices, possibly costing $345 per month if they have 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.