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 $1,116 a year for full coverage. Comprehensive insurance costs approximately $210, collision costs $380, and liability coverage costs $390. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing $2,420 or more. Teens receive the highest rates at $4,286 a year or more.

Average premium for full coverage: $1,116

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Beetle models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

These examples show why everyone should compare rates using their specific location, rather than using averaged prices.

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

Rate Comparisons

The chart below shows estimated Volkswagen Beetle insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $648
• Drivers who choose higher $1,000 deductibles will pay $134 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,116
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $260 each year
• High-risk insureds with serious driving violations could pay around $2,420 or more
• The cost that insures a teenage driver for full coverage can cost $4,286 a year

View Chart as Image

Insurance rates for a Volkswagen Beetle can also vary considerably based on the model of your Beetle, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,300 to $1,900 additional per year, depending on your age. Volkswagen Beetle insurance for high-risk drivers can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age

Where you live makes a big difference in Volkswagen Beetle insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,590 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $400 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every company calculates rates differently, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 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 Affordable Volkswagen Beetle Insurance

Saving money on auto insurance not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

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

• Consumers who purchase an increased level of liability coverage will pay approximately $430 each year to go from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing as high as $357 per month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,300 more per year than a safer driver
• Increasing deductibles can save approximately $400 each year

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.