Best Volkswagen Beetle Car Insurance in 2024 (Your Guide to the Top 10 Companies)

The top companies for the best Volkswagen Beetle car insurance, including Progressive, Erie, and Allstate, provide excellent options with competitive rates and comprehensive coverage.

Their strong offerings in customer satisfaction, discounts, and coverage make them top choices for Beetle insurance. Each offers premiums averaging $50 per month, ensuring great value and protection. To delve deeper, refer to our in-depth report titled “What is a Car Insurance Premium?”

Our Top 10 Company Picks: Best Volkswagen Beetle Car Insurance

For the best overall value and protection tailored to your needs, consider these leading providers for comprehensive and affordable Volkswagen Beetle insurance.

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#1 – Progressive: Top Overall Pick

Pros

• Competitive Rates: Progressive car insurance review reveal the company’s highly competitive rates for Volkswagen Beetle insurance, which can help lower your monthly premiums while offering comprehensive protection suited to the Beetle’s specific needs.
• Flexible Coverage Options: Progressive offers various coverage options that can be tailored to the Volkswagen Beetle, including add-ons for collision and comprehensive protection.
• Snapshot Program: Progressive’s Snapshot program can lead to discounts for Volkswagen Beetle owners who demonstrate safe driving habits, potentially reducing your insurance costs.

Cons

• Customer Service Variability: While Progressive offers competitive rates for Volkswagen Beetle insurance, the quality of customer service can vary, which may impact your overall experience managing your Beetle’s policy.
• Complex Claims Process: The claims process with Progressive can sometimes be intricate and slow, potentially leading to delays in compensation for damages or losses to your Volkswagen Beetle.

#2 – Erie: Best for Customer Satisfaction

Pros

• Customer Satisfaction: Erie car insurance review unveil the company’s customer satisfaction, making it an excellent choice for Volkswagen Beetle owners who prioritize personalized service and attention for their Beetle insurance.
• Comprehensive Coverage: Erie  offers extensive coverage options, including specialized plans for classic and vintage vehicles, which can be particularly advantageous for unique or custom Volkswagen Beetle models.
• Roadside Assistance: Erie’s policies include strong roadside assistance, providing valuable support for Volkswagen Beetle owners in case of breakdowns or emergencies.

Cons

• Availability Limitations: Erie’s insurance products are not available in all states, which may restrict access for Volkswagen Beetle owners in some regions.
• Higher Premiums in Some Areas: In certain locations, Erie’s premiums might be higher, which could impact the affordability of Volkswagen Beetle insurance for some owners.

#3 – Allstate: Best for Extensive Discounts

Pros

• Extensive Discounts: Allstate offers a variety of discounts, such as for safe driving and bundling policies, which can reduce the insurance costs for Volkswagen Beetle owners.
• Customized Coverage Options: Allstate provides tailored coverage options for Volkswagen Beetle owners, including customizable add-ons to enhance protection for their Beetle.
• Accident Forgiveness: Allstate car insurance review introduce the company’s accident forgiveness program can prevent your first accident from impacting your premiums, which benefits Volkswagen Beetle owners looking to maintain stable rates.

Cons

• Higher Premiums for Some Drivers: Depending on your driving history and location, Allstate’s premiums for Volkswagen Beetle insurance may be higher compared to other insurers, affecting overall affordability.
• Claims Process Complexity: The process for filing and managing claims with Allstate can be intricate and lengthy, potentially causing frustration for Volkswagen Beetle owners needing quick resolution.

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#4 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Rewards: American Family car insurance review broadcast the company’s loyalty rewards that can provide savings for long-term Volkswagen Beetle policyholders, making it a good option for those who maintain their Beetle insurance with the company over time.
• Comprehensive Coverage: American Family provides robust coverage options, including protections specifically designed for classic and high-value vehicles like the Volkswagen Beetle.
• Personalized Service: American Family is known for offering personalized service, ensuring that Volkswagen Beetle owners receive tailored insurance solutions to meet their specific needs.

Cons

• Availability Issues: American Family’s insurance policies might not be available in all states, which could limit options for Volkswagen Beetle owners in certain regions.
• Potentially Higher Costs: For some drivers, American Family’s premiums for Volkswagen Beetle insurance may be higher compared to other providers, affecting overall affordability.

#5  – USAA: Best for Military Members

Pros

• Specialized for Military Members: USAA provides exceptional insurance coverage and benefits for military members and their families, making it a top choice for Volkswagen Beetle owners with military affiliations.
• Strong Customer Service: USAA car insurance review publicize the company’s is high rate for customer service, offering support tailored to Volkswagen Beetle owners who are also military personnel.
• Competitive Rates for Military: USAA offers competitive rates and discounts for military members, making insurance more affordable for those owning a Volkswagen Beetle.

Cons

• Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families, which limits its availability for non-military Volkswagen Beetle owners.
• Limited Non-Military Discounts: While USAA provides great rates for military members, non-military discounts may be less extensive, potentially affecting affordability for non-military Volkswagen Beetle owners who do not qualify for military benefits.

#6 – Geico: Best for Affordable Premiums

Pros

• Affordable Premiums: Geico is known for offering affordable premiums, helping Volkswagen Beetle owners save on insurance costs while receiving comprehensive coverage for their Beetle.
• User-Friendly Online Tools: Geico offers a range of online tools and resources that simplify policy management, claims filing, and access to insurance information for Volkswagen Beetle owners.
• Extensive Discounts: Geico car insurance review advertise the company’s numerous discounts, including for safe driving and bundling policies, which can lower insurance costs for Volkswagen Beetle owners.

Cons

• Customer Service Concerns: Some customers have reported issues with Geico’s customer service, which may impact your experience if you encounter problems with your Volkswagen Beetle insurance policy.
• Limited Coverage Options: Geico’s coverage options might be less customizable compared to other insurers, potentially limiting the ability to tailor the policy specifically to the needs of your Volkswagen Beetle.

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#7 – Liberty Mutual: Best for Customizable Coverage

Pros

• Customizable Coverage: Liberty Mutual offers a range of customizable coverage options that can be tailored to the specific needs of Volkswagen Beetle owners, ensuring thorough protection.
• Flexible Payment Plans: Liberty Mutual car insurance review illustrate the company’s flexible payment plans, which can assist Volkswagen Beetle owners in managing their insurance costs by choosing a payment schedule that fits their budget.
• Accident Forgiveness: Liberty Mutual’s accident forgiveness program can help keep premiums stable by preventing your first accident from increasing your rates, which is beneficial for Volkswagen Beetle owners.

Cons

• Higher Premiums for Some Drivers: Depending on your driving history and location, Liberty Mutual’s premiums for Volkswagen Beetle insurance may be higher than those of some competitors, affecting cost-effectiveness.
• Mixed Customer Reviews: Liberty Mutual has received mixed reviews from customers regarding service and claims processing, which could impact your overall satisfaction with your Volkswagen Beetle insurance.

#8 – State Farm: Best for Reliable Service

Pros

• Reliable Service: State Farm is known for its reliable service and extensive local network, making it a dependable choice for Volkswagen Beetle owners who value consistent support and assistance.
• Wide Range of Coverage Options: State Farm car insurance review disclose the company’s broad array of coverage options, including specific protections for various types of vehicles, ensuring that Volkswagen Beetle owners can find appropriate insurance solutions.
• Discounts for Safe Driving: State Farm offers various discounts for safe driving, which can help reduce insurance costs for Volkswagen Beetle owners who practice responsible driving.

Cons

• Potentially Higher Rates: State Farm’s rates for Volkswagen Beetle insurance may be higher compared to some other insurers, potentially impacting the overall affordability of your policy.
• Claims Processing Delays: Some customers have reported delays in claims processing with State Farm, which could be a concern for Volkswagen Beetle owners who need prompt assistance.

#9 – Travelers: Best for Reliable Service

Pros

• Diverse Coverage Options: Travelers offers a range of coverage options that can be tailored to meet the needs of Volkswagen Beetle owners, including add-ons for enhanced protection.
• Flexible Discounts: Travelers provides various discounts, such as for bundling policies and safe driving, which can help reduce insurance costs for Volkswagen Beetle owners.
• Strong Financial Stability: Travelers car insurance review emphasize the company’s financial stability, offering reassurance to Volkswagen Beetle owners that the insurer will be able to meet its financial commitments.

Cons

• Limited Local Presence: Travelers may have a less extensive local presence compared to some other insurers, potentially impacting the accessibility of in-person support for Volkswagen Beetle owners.
• Higher Premiums in Certain Areas: In some regions, Travelers’ premiums for Volkswagen Beetle insurance may be higher, which could affect the affordability of coverage.

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#10 – Auto-Owners: Best for Financial Stability

Pros

• Strong Financial Stability: Auto-Owners car insurance review display the company’s strong financial stability, providing Volkswagen Beetle owners with confidence that the insurer will be able to handle claims and fulfill obligations.
• Comprehensive Coverage Options: Auto-Owners offers a variety of comprehensive coverage options that can be customized to the needs of Volkswagen Beetle owners, including specialized protections.
• Good Customer Service: Auto-Owners is known for positive customer service, providing reliable support and assistance for Volkswagen Beetle owners throughout their insurance experience.

Cons

• Limited Availability: Auto-Owners’ insurance policies may not be available in all states, which could limit options for Volkswagen Beetle owners based on their location.
• Potentially Higher Rates: In some areas, Auto-Owners’ premiums for Volkswagen Beetle insurance may be higher compared to other providers, affecting affordability.

How much does Volkswagen insurance cost?

Insurance can vary based on the model. The average Volkswagen Beetle auto insurance costs are $1,290 a year or $108 a month. Other models, such as the Volkswagen GTI, can run you $1,384 a year or $115 a month.

Is insurance for a Volkswagen Beetle expensive?

The chart below details how Volkswagen Beetle insurance rates compare to other subcompact hatchbacks like the Ford Focus RS, Honda Fit, and Volkswagen Golf R.

However, there are a few things you can do to find the cheapest Volkswagen insurance rates online.

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What impacts Volkswagen Beetle insurance rates?

The Volkswagen Beetle trim and model you choose can impact the total price you will pay for Volkswagen car insurance coverage.

Age of the Vehicle

The average Volkswagen Beetle car insurance rates are higher for newer models. For example, car insurance for a 2019 Volkswagen Beetle costs $1,290, while 2012 Volkswagen Beetle insurance costs are $1,116, a difference of $174.

Driver Age

Driver age can have a significant impact on Volkswagen Beetle auto insurance rates. For instance, a 30-year-old driver may pay $57 more each year for Volkswagen Beetle auto insurance than a 40-year-old driver, partly because of the assumption that the 40-year-old is a safe driver.

Driver Location

Where you live can have a substantial impact on Volkswagen Beetle insurance rates. For example, drivers in Phoenix may pay $710 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Volkswagen Beetle car insurance. Teens and drivers in their 20s see the highest jump in their Volkswagen Beetle car insurance rates with violations on their driving record.

Volkswagen Beetle Safety Ratings

Your Volkswagen Beetle car insurance rates are tied to the safety ratings of the Volkswagen Beetle. See the breakdown below:

Test Type	Rating
Small overlap front: driver-side	Marginal
Small overlap front: passenger-side	Not Tested
Moderate overlap front	Good
Side	Good
Roof strength	Good
Head restraints and seats	Good
Source: Insurance Institute for Highway Safety

Volkswagen Beetle Crash Test Ratings

Good Volkswagen Beetle crash test ratings mean the VW is safer, which could mean cheaper Volkswagen Beetle car insurance rates.

Safety Features and Insurance on a Volkswagen Beetle

The Volkswagen Beetle’s safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Volkswagen Beetle auto insurance rates. The Volkswagen Beetle’s safety features include:

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag
• 4-Wheel ABS
• 4-Wheel Disc Brakes
• Brake Assist
• Electronic Stability Control
• Daytime Running Lights
• Integrated Turn Signal Mirrors
• Traction Control
• Blind Spot Monitor
• Cross-Traffic Alert

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Volkswagen Beetle Insurance Rates and Loss Probability

Another contributing factor that plays a direct role in Volkswagen Beetle insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category	Loss Rate
Collision	1%
Property Damage	-7%
Comprehensive	1%
Personal Injury	-15%
Medical Payment	-5%
Bodily Injury	1%
Source: Insurance Institute for Highway Safety

How much are Volkswagen Beetles with financing?

When financing a Volkswagen Beetle, most lenders will require you to carry higher Volkswagen Beetle coverage options, including comprehensive coverage, so be sure to shop around and compare Volkswagen Beetle car insurance rates from the best companies using our free tool below.

What are some ways to save on Volkswagen Beetle insurance rates?

Drivers can end up saving more money on their Volkswagen Beetle car insurance rates by employing any one of the following strategies.

• Ask About Retiree Discounts
• Choose Automatic Payments or EFT for Your Volkswagen Beetle Insurance Policy
• Use a Service Like Turo to Rent Out Your Volkswagen Beetle
• Buy Your Volkswagen Beetle with Cash, or Get a Shorter-Term Loan
• Check the Odometer on Your Volkswagen Beetle

Volkswagen Beetle Car Insurance Monthly Rates by Coverage Level & Provider

Read more: Turo Car Insurance Review

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Where can I get the best car insurance for a Volkswagen Beetle?

Who is the best company for Volkswagen Beetle insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volkswagen Beetle insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Volkswagen Beetle offers.

Can you compare free Volkswagen Beetle insurance quotes online?

To start comparing Volkswagen Beetle car insurance quotes for free, use our online car insurance comparison tool.

Popular since the 1960s, the Volkswagen Beetle has long been a favorite in the used car market. The introduction of the New Beetle in the past decade brought Beetles a whole new demographic. Insurance rates for this German import average $1,300 a year.

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What’s so special about a VW Beetle?

Though Volkswagen began producing the Beetle in the 1930s, it became popular in the United States in the 1950s and 1960s. What was this vintage vehicle’s appeal? The powerful engine in a small car designed for the Autobahn was an exhilarating addition to a market inundated by large muscle cars.

The unusual design of the car with the engine in the rear and the dome-shaped roof was eye-catching and unforgettable.

In 1998, VW began selling the New Beetle. This new car drew heavily from the iconic features of the original Beetle. The dome-shaped roof was the most recognizable carry-over.

However, this new generation of Beetles had many modern redesigns. Unlike the older Volkswagen Beetle, the engine was relocated to the front and was turbocharged. Options on special models included sunroofs on beetle sedans and convertible body styles that were offered.

The New Beetle, like its predecessor, was a breath of fresh air to the car market. The sedans of the late ’90s had begun to become standardized, looking all the same. The Beetle brought a retro vibe to the market.

The changes in the new Volkswagen Beetle included new feature options like leather seats, access with push-button start, alloy wheels, split window, keyless access, and some exclusive equipment.

The Volkswagen Beetle was not only a fun, sporty car, but the unique dome-shaped roof also provided plenty of headroom.

Thus, the car appeals not only to those with fond memories of the older Beetle but also to those who want a small, fuel-efficient car but are too tall to fit comfortably in most small cars.

In 2011, the New Beetle design gave way to a redesign. In 2012, VW produced what the company is calling the 21st Century Beetle. It has a sleeker profile with a lower roofline.

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What features of the VW Beetle affect insurance costs?

Volkswagen is a German company. Parts are imported, and many repair shops won’t work on VWs. This makes replacement costs more expensive than similarly sized domestic cars, which tend to raise insurance premium rates.

The Insurance Institute for Highway Safety has awarded the New Beetle the highest rating of Good in its offset frontal crash tests, which helps lower car insurance rates, as safer cars are less expensive to insure.

Newer Beetles come equipped with front and side air bags and four-wheel anti-lock brakes. They also sport both traction and stability control. The next-generation Beetle also uses brake assist technology to enable quicker stopping.

Auto insurance protects you against financial loss if someone causes damage to your vehicle while driving under their own power. It also covers damages caused when another person drives your vehicle without permission. If you don’t have enough money saved up to cover repairs after an accident, you may be able to get help through your state’s no-fault law.

When getting a quote for a VW Beetle, be sure to get a list of the exact safety features your car has so the agent can provide you with as many discounts for the car as possible.

How can I save money on my insurance?

When insurance companies determine your premium costs, there are several factors they use to formulate that number. Some of them have nothing to do with you but the area in which you live.

If you live in an area with a high crime rate, expect to pay a bit more. People who live in large cities also pay more than those who live in rural areas.

Demographics play a part as well. Women usually pay lower premiums than men do. Older drivers pay less than young adult drivers, and married people pay less than single people.

Obviously, if you have several tickets and accidents on your driving record, your premiums will be higher as well.

There are ways to lessen insurance prices no matter who you are. Car insurance companies offer the following and more discounts:

• Senior citizens
• Military
• College student
• Clean driving record

Ask your agent to go over available discounts with you to make sure you are taking advantage of them.

You can receive a large discount if you buy multiple policies from the same company. If you have more than one vehicle, including motorcycles or boats, homeowners or renters insurance, or need life insurance, get quotes for insuring them all with the same company.

Get quotes from more than one company. Premiums can vary widely among different companies, so comparing prices will help you make the wisest decision about your car insurance.

You can compare car insurance quotes from different companies right now for free simply by entering your ZIP code into the box below!

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