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 insurance costs around $196, collision insurance costs $350, and liability coverage costs $390. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance 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 for type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all Beetle models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance rates.

These rate differences show why everyone should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Information

The chart below shows average Volkswagen Beetle insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $625
• Drivers who choose higher $1,000 deductibles will pay about $124 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,072
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $238 each year
• High-risk insureds with serious driving violations could pay at least $2,322
• An auto insurance policy for full coverage for a teenage driver for full coverage can be $4,144 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,100 a year. View Rates by Age

Where you choose to live makes a big difference in Volkswagen Beetle insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $370 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $273 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,300 to $1,800 additional annually, depending on your age. Volkswagen Beetle insurance for high-risk drivers can cost around 43% to 135% more than the average policy. 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 Cheaper Volkswagen Beetle Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

• Drivers can save up to $130 per year just by quoting online well ahead of the renewal date
• Drivers with multiple at-fault accidents may be required to pay an average of $1,250 more every year than a low-risk driver
• Increasing policy deductibles can save around $350 each year
• Youthful drivers are charged the highest prices, as much as $345 per month including comprehensive and collision insurance

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.