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. Comprehensive insurance costs on average $196, collision insurance costs $350, and liability insurance is $390. A policy with just liability insurance costs around $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 by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Beetle models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.

These examples show why everyone should compare rates quotes based on a specific location, rather than relying on price averages.

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

Additional Rate Information

The chart below shows average Volkswagen Beetle insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $625
• Raising to $1,000 deductibles will save around $124 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,072
• Choosing pricier low deductibles will cost an additional $238 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,322
• The cost that insures a teen driver for full coverage may cost $4,144

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 policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,300 to $1,800 additional per year, depending on your age. Volkswagen Beetle insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,100 a year. View Rates by Age

Where you live also has a big influence on Volkswagen Beetle insurance rates. A middle-age driver might find rates as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $370 each year, whereas buying more liability protection will cost you more. 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

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 Low Cost Volkswagen Beetle Insurance

Saving money on Volkswagen Beetle insurance consists of avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and dropping full coverage on older vehicles. Shop around at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a review of the data covered in the above illustrations.

• Drivers who require higher liability limits will pay about $430 each year to raise from a minimum limit to the 250/500 level
• Drivers can save as much as $130 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $350 each year
• Teenagers pay higher rates, costing as high as $345 per month if comprehensive and collision insurance is included

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.