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.

Average insurance rates for a Volkswagen Beetle are $1,116 a year for full coverage. Comprehensive insurance costs approximately $210 each year, collision costs $380, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, with coverage for high-risk drivers costing $2,420 or more. Teen drivers receive the highest rates at $4,286 a year or more.

Average premium for full coverage: $1,116

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Beetle models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance prices.

These examples show why all drivers should get quotes using their specific location, instead of using price averages.

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

Rates by State, City, and Model

The chart below shows estimated Volkswagen Beetle insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $648
• Choosing higher $1,000 deductibles can save $134 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,116
• Choosing low deductibles for comp and collision coverage will cost an additional $260 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,420 or more
• The cost that insures a teen driver can cost $4,286 each year

View Chart as Image

Insurance rates for a Volkswagen Beetle can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,300 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age

Where you live plays a big part in determining prices for Volkswagen Beetle insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or as much as $1,590 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $400 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 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 Low Cost Volkswagen Beetle Insurance

Saving money on car insurance takes having a decent driving record, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a review of the data that was touched on in this article.

• Drivers can save around $130 per year simply by quoting online in advance
• Policyholders who purchase additional liability coverage will pay about $430 each year to raise limits from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, costing as high as $357 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,300 more per year than a driver with a clean driving record

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.