Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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The average insurance prices for a Volkswagen Beetle Convertible are $1,074 every 12 months including full coverage. Comprehensive costs an estimated $240 a year, collision costs $424, and liability coverage is estimated at $300. Liability-only coverage costs approximately $342 a year, with high-risk coverage costing around $2,314. Teens cost the most to insure at $3,932 a year or more.
Average premium for full coverage: $1,074
Policy rates broken down by type of insurance:
Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Beetle Convertible trim levels.
Price Range Variability
For the average driver, Volkswagen Beetle Convertible insurance rates go from the cheapest price of $342 for just liability insurance to a high of $2,314 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts insurance prices.
The examples above highlight why it is important to get quotes for a targeted area and their own driving history, rather than using averaged prices.
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 Details
The chart below breaks down estimated Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $613
- Choosing higher $1,000 deductibles can save approximately $922 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,074
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,364
- Drivers with serious driving violations could pay up to $2,314 or more
- Policy cost to insure a teenage driver can cost as much as $3,932 each year
Insurance rates for a Volkswagen Beetle Convertible also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $450 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $270 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,300 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 135% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volkswagen Beetle Convertible insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,530 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $970 | -$104 | -9.7% |
| Alaska | $822 | -$252 | -23.5% |
| Arizona | $892 | -$182 | -16.9% |
| Arkansas | $1,074 | -$0 | 0.0% |
| California | $1,220 | $146 | 13.6% |
| Colorado | $1,024 | -$50 | -4.7% |
| Connecticut | $1,100 | $26 | 2.4% |
| Delaware | $1,212 | $138 | 12.8% |
| Florida | $1,340 | $266 | 24.8% |
| Georgia | $992 | -$82 | -7.6% |
| Hawaii | $772 | -$302 | -28.1% |
| Idaho | $726 | -$348 | -32.4% |
| Illinois | $800 | -$274 | -25.5% |
| Indiana | $808 | -$266 | -24.8% |
| Iowa | $726 | -$348 | -32.4% |
| Kansas | $1,020 | -$54 | -5.0% |
| Kentucky | $1,462 | $388 | 36.1% |
| Louisiana | $1,588 | $514 | 47.9% |
| Maine | $662 | -$412 | -38.4% |
| Maryland | $886 | -$188 | -17.5% |
| Massachusetts | $856 | -$218 | -20.3% |
| Michigan | $1,864 | $790 | 73.6% |
| Minnesota | $898 | -$176 | -16.4% |
| Mississippi | $1,284 | $210 | 19.6% |
| Missouri | $950 | -$124 | -11.5% |
| Montana | $1,154 | $80 | 7.4% |
| Nebraska | $844 | -$230 | -21.4% |
| Nevada | $1,286 | $212 | 19.7% |
| New Hampshire | $774 | -$300 | -27.9% |
| New Jersey | $1,198 | $124 | 11.5% |
| New Mexico | $948 | -$126 | -11.7% |
| New York | $1,130 | $56 | 5.2% |
| North Carolina | $618 | -$456 | -42.5% |
| North Dakota | $878 | -$196 | -18.2% |
| Ohio | $742 | -$332 | -30.9% |
| Oklahoma | $1,100 | $26 | 2.4% |
| Oregon | $986 | -$88 | -8.2% |
| Pennsylvania | $1,022 | -$52 | -4.8% |
| Rhode Island | $1,430 | $356 | 33.1% |
| South Carolina | $972 | -$102 | -9.5% |
| South Dakota | $906 | -$168 | -15.6% |
| Tennessee | $940 | -$134 | -12.5% |
| Texas | $1,292 | $218 | 20.3% |
| Utah | $796 | -$278 | -25.9% |
| Vermont | $734 | -$340 | -31.7% |
| Virginia | $644 | -$430 | -40.0% |
| Washington | $826 | -$248 | -23.1% |
| West Virginia | $986 | -$88 | -8.2% |
| Wisconsin | $742 | -$332 | -30.9% |
| Wyoming | $954 | -$120 | -11.2% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Beetle Convertible | $250 | $450 | $298 | $1,108 |
| 2018 Volkswagen Beetle Convertible | $240 | $424 | $300 | $1,074 |
| 2016 Volkswagen Beetle Convertible | $214 | $350 | $304 | $978 |
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 Cheaper Volkswagen Beetle Convertible Insurance
Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.
The items below are a condensed summary of the concepts that were touched on above.
- Drivers with multiple at-fault accidents may have to pay on average $1,240 more annually to insure their Beetle Convertible
- Teen drivers are expensive to insure, with premiums being up to $328 each month if full coverage is included
- You may be able to save approximately $130 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- You may be able to save approximately $130 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,932 |
| 20 | $2,458 |
| 30 | $1,122 |
| 40 | $1,074 |
| 50 | $982 |
| 60 | $962 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,364 |
| $250 | $1,228 |
| $500 | $1,074 |
| $1,000 | $922 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,074 |
| 50/100 | $1,134 |
| 100/300 | $1,209 |
| 250/500 | $1,404 |
| 100 CSL | $1,164 |
| 300 CSL | $1,329 |
| 500 CSL | $1,449 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,626 |
| 20 | $3,916 |
| 30 | $2,368 |
| 40 | $2,314 |
| 50 | $2,208 |
| 60 | $2,188 |
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 | $58 |
| Multi-vehicle | $56 |
| Homeowner | $16 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $50 |
| Advance Quote | $54 |
| Online Quote | $77 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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