Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Estimated auto insurance rates for a Volkswagen Beetle Convertible are $1,108 annually for full coverage. Comprehensive costs an estimated $250, collision costs $450, and liability costs $298. A policy with only liability insurance costs as little as $340 a year, with a high-risk policy costing around $2,388. Teen drivers pay the most at $4,036 a year or more.
Average premium for full coverage: $1,108
Premium estimates broken down by type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Beetle Convertible models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volkswagen Beetle Convertible go from as cheap as $340 for liability-only coverage to the much higher price of $2,388 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences show why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price 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.
Additional Charts and Tables
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for other coverage scenarios.
- The lowest rate with discounts is $630
- Drivers who choose higher $1,000 deductibles will pay approximately $160 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,108
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,416
- Drivers with multiple violations and an at-fault accident could pay up to $2,388 or more
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $4,036 a year
Car insurance prices for a Volkswagen Beetle Convertible also have a wide range based on the model of your Beetle Convertible, your driver profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,300 to $1,800 extra annually, depending on your age. Volkswagen Beetle Convertible insurance for high-risk drivers can cost from 45% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $470 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $268 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Volkswagen Beetle Convertible insurance prices. A 40-year-old driver could pay as low as $730 a year in states like Iowa, Maine, and Idaho, or as much as $1,580 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different between companies.
| 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 Buy the Best Cheap Volkswagen Beetle Convertible Insurance
Finding better rates on insurance for a Volkswagen Beetle Convertible not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to compare rates every year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a quick review of the coverage data covered above.
- Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $475 each year
- Teen drivers have the highest car insurance prices, as much as $336 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,280 more annually to insure their Beetle Convertible
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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