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 for full coverage. Comprehensive costs on average $196 each year, collision insurance costs $350, and liability insurance is estimated at $390. A liability-only policy costs approximately $438 a year, and high-risk insurance costs around $2,322. Teen drivers pay the most at up to $4,144 a year.

Average premium for full coverage: $1,072

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

These rate differences show why all drivers should get quotes based on a specific location and risk profile, rather than relying on 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
• Choosing higher $1,000 deductibles can save around $124 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,072
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,310
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,322
• An auto insurance policy for full coverage for a teen driver may cost $4,144 each year

View Chart as Image

Auto insurance prices for a Volkswagen Beetle also have a wide range based on your driving characteristics, the trim level of your Beetle, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 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 can save as much as $370 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $273 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 135% more than average. View High Risk Driver Rates

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 Best Volkswagen Beetle Insurance

Finding better rates on Volkswagen Beetle insurance takes having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following items are a brief recap of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are charged the highest prices, as much as $345 per month if they have full coverage
• High-risk drivers who tend to receive serious violations will pay on average $1,250 more each year than a driver with a clean driving record
• Increasing policy deductibles can save around $350 each year
• Drivers can save as much as $130 per year just by quoting online in advance

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.