Volkswagen Beetle Convertible Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance rates for a Volkswagen Beetle Convertible are $1,108 a year for full coverage. Comprehensive insurance costs around $250 a year, collision costs $450, and liability coverage costs $298. Liability-only coverage costs as little as $340 a year, with high-risk coverage costing $2,388 or more. Teenage drivers receive the highest rates at $4,036 a year or more.
Average premium for full coverage: $1,108
Rate estimates for individual coverage type:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and Beetle Convertible trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $340 for a discount liability-only rate to a high of $2,388 for a policy for a high-risk driver.
Price Range by Location
Your location has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates how where you live affects auto insurance rates.
These examples show why it is important to compare rates for a specific zip code and risk profile, rather than using average rates.
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.
Rates by State, City, and Model
The chart below shows estimated Volkswagen Beetle Convertible insurance rates for additional coverage choices and driver risks.
- The best discount rate is $630
- Drivers who choose higher $1,000 deductibles will pay about $948 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,108
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $308 each year
- High-risk insureds who are prone to accidents and violations could pay at least $2,388 or more
- The cost for full coverage for a teenage driver can be $4,036 a year
Car insurance rates for a Volkswagen Beetle Convertible can also vary considerably based on your driver profile, the trim level of your Beetle Convertible, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may only pay around $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $4,000 a year. View Rates by Age
Where you live 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 be forced to pay as much as $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% |
Using high physical damage deductibles could save up to $470 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $268 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy can cost around 45% to 131% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.
| 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 Find Affordable Volkswagen Beetle Convertible Insurance
Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to comparison shop every year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The items below are a brief review of the coverage data touched on in the above illustrations.
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing deductibles can save around $475 each year
- Teen drivers are the costliest to insure, costing as high as $336 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,280 more every year 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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