Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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U.S. average insurance prices for a Volkswagen Beetle Convertible are $1,108 every 12 months for full coverage. Comprehensive insurance costs on average $250 a year, collision costs $450, and liability insurance costs $298. A policy with just liability insurance costs as little as $340 a year, with coverage for high-risk drivers costing $2,388 or more. 16-year-old drivers pay the highest rates at $4,036 a year or more.
Average premium for full coverage: $1,108
Price estimates by individual coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Beetle Convertible trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen Beetle Convertible insurance prices go from the cheapest price of $340 for your basic liability-only policy to a high of $2,388 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than congested cities.
The diagram below illustrates how rural and urban location affects car insurance rates.
The ranges above show why it is important to compare rates based on a specific location and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $630
- Drivers who choose higher $1,000 deductibles will pay around $948 a year
- The average price for the average middle-age driver with $500 deductibles is $1,108
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $308 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $2,388 or more
- The price to insure a teen driver may cost $4,036 a year
Insurance prices for a Volkswagen Beetle Convertible are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Beetle Convertible.
Opting for high physical damage deductibles could save up to $470 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $268 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $4,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Volkswagen Beetle Convertible insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Idaho, Maine, and Iowa, or at least $1,580 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,002 | -$106 | -9.6% |
| Alaska | $848 | -$260 | -23.5% |
| Arizona | $918 | -$190 | -17.1% |
| Arkansas | $1,108 | -$0 | 0.0% |
| California | $1,260 | $152 | 13.7% |
| Colorado | $1,056 | -$52 | -4.7% |
| Connecticut | $1,136 | $28 | 2.5% |
| Delaware | $1,250 | $142 | 12.8% |
| Florida | $1,382 | $274 | 24.7% |
| Georgia | $1,024 | -$84 | -7.6% |
| Hawaii | $794 | -$314 | -28.3% |
| Idaho | $748 | -$360 | -32.5% |
| Illinois | $824 | -$284 | -25.6% |
| Indiana | $832 | -$276 | -24.9% |
| Iowa | $748 | -$360 | -32.5% |
| Kansas | $1,048 | -$60 | -5.4% |
| Kentucky | $1,508 | $400 | 36.1% |
| Louisiana | $1,638 | $530 | 47.8% |
| Maine | $682 | -$426 | -38.4% |
| Maryland | $912 | -$196 | -17.7% |
| Massachusetts | $884 | -$224 | -20.2% |
| Michigan | $1,920 | $812 | 73.3% |
| Minnesota | $926 | -$182 | -16.4% |
| Mississippi | $1,324 | $216 | 19.5% |
| Missouri | $980 | -$128 | -11.6% |
| Montana | $1,188 | $80 | 7.2% |
| Nebraska | $870 | -$238 | -21.5% |
| Nevada | $1,326 | $218 | 19.7% |
| New Hampshire | $798 | -$310 | -28.0% |
| New Jersey | $1,234 | $126 | 11.4% |
| New Mexico | $978 | -$130 | -11.7% |
| New York | $1,166 | $58 | 5.2% |
| North Carolina | $636 | -$472 | -42.6% |
| North Dakota | $906 | -$202 | -18.2% |
| Ohio | $764 | -$344 | -31.0% |
| Oklahoma | $1,136 | $28 | 2.5% |
| Oregon | $1,014 | -$94 | -8.5% |
| Pennsylvania | $1,054 | -$54 | -4.9% |
| Rhode Island | $1,476 | $368 | 33.2% |
| South Carolina | $1,004 | -$104 | -9.4% |
| South Dakota | $934 | -$174 | -15.7% |
| Tennessee | $968 | -$140 | -12.6% |
| Texas | $1,332 | $224 | 20.2% |
| Utah | $818 | -$290 | -26.2% |
| Vermont | $756 | -$352 | -31.8% |
| Virginia | $664 | -$444 | -40.1% |
| Washington | $852 | -$256 | -23.1% |
| West Virginia | $1,016 | -$92 | -8.3% |
| Wisconsin | $766 | -$342 | -30.9% |
| Wyoming | $984 | -$124 | -11.2% |
Since prices can be so different, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $260 | $484 | $292 | $1,146 |
| 2018 Volkswagen Beetle Convertible | $250 | $450 | $298 | $1,108 |
| 2016 Volkswagen Beetle Convertible | $230 | $380 | $304 | $1,024 |
Rates are averaged for all Volkswagen Beetle Convertible models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Volkswagen Beetle Convertible Insurance
Getting lower rates on Volkswagen Beetle Convertible insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every couple of years by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a quick rundown of the material that was raised in the charts and tables above.
- Drivers who require increased liability limits will pay around $330 each year to go from a low limit to a 250/500 level
- Drivers under the age of 20 pay the highest prices, with premiums as much as $336 a month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions pay an average of $1,280 more each year to insure a Volkswagen Beetle Convertible
- Increasing physical damage deductibles could save as much as $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,036 |
| 20 | $2,536 |
| 30 | $1,160 |
| 40 | $1,108 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,272 |
| $500 | $1,108 |
| $1,000 | $948 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,108 |
| 50/100 | $1,168 |
| 100/300 | $1,242 |
| 250/500 | $1,436 |
| 100 CSL | $1,197 |
| 300 CSL | $1,361 |
| 500 CSL | $1,481 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,780 |
| 20 | $4,040 |
| 30 | $2,446 |
| 40 | $2,388 |
| 50 | $2,278 |
| 60 | $2,256 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $58 |
| Homeowner | $16 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $52 |
| Advance Quote | $56 |
| Online Quote | $80 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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