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 $1,072 a year for full coverage insurance. Comprehensive insurance costs an estimated $196 each year, collision insurance costs $350, and liability coverage is estimated at $390. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs $2,322 or more. Teen drivers receive the highest rates at up to $4,144 a year.

Average premium for full coverage: $1,072

Rate estimates broken down by individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Beetle models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location helps determine insurance prices.

These examples illustrate why all drivers should get quotes for a targeted area and risk profile, rather than using price averages.

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

More Rate Information

The chart below illustrates average Volkswagen Beetle insurance rates for other coverage scenarios.

• The lowest rate with discounts is $625
• Choosing higher $1,000 deductibles can save approximately $124 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,072
• Choosing low deductibles for comp and collision coverage will cost an extra $238 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,322
• The cost for full coverage for a teenage driver can cost as much as $4,144 each year

View Chart as Image

Insurance rates for a Volkswagen Beetle can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Volkswagen Beetle insurance rates. A good driver about age 40 could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,450 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $370 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,300 to $1,800 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 135% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Cheap Volkswagen Beetle Insurance

Saving money on auto insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a brief summary of the data that was covered in the charts and tables above.

• It is possible to save approximately $130 per year just by quoting online in advance
• Consumers who want an increased level of liability coverage will pay about $430 annually to raise limits from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $345 per month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations pay on average $1,250 more annually than a safer driver

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.