How Much are Volkswagen Beetle Insurance Rates?

Average Volkswagen beetle insurance rates ar insurance rates cost $1,290 a year, or around $108 a month. Read on to find out how you can save on the cost of a Volkswagen beetle insurance policy.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: May 25, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 25, 2022Fact Checked

Here's what you need to know...

  • Volkswagen Beetles are popular in the U.S. due to the unusual design of the dome-shaped roof, which has stayed with the vehicle since the 1930s
  • Since Beetles are manufactured by a German company, repairs can be costly because parts must be imported. Expensive repairs often mean higher premiums
  • Newer VW Beetles models have additional safety features that can help reduce insurance rates. Make sure you know what features your vehicle has to qualify for discounts

Volkswagen Beetle insurance rates average $1,290 a year or $108 a month for full coverage. Owners of an older Volkswagen Beetle may opt for liability-only coverage, which costs about $517 a year or $43 a month.

Good drivers can save up to $532 by driving defensively and earning safe driver discounts. Let’s take a closer look at Volkswagen Beetle insurance rates, crash test ratings, and more.

You can start comparing quotes for car insurance rates from some of the best car insurance companies by using our free online tool now.

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Vehicle Comprehensive Collision Liability Total
Volkswagen Beetle $280 $542 $332 $1,290
Ford Focus RS $332 $656 $398 $1,544
Honda Fit $268 $512 $258 $1,148
Volkswagen Golf R $372 $660 $390 $1,580
Mitsubishi Mirage $244 $448 $398 $1,248
Volkswagen Golf $306 $600 $390 $1,454
Compare RatesStart Now →

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

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.

Model Year Comprehensive Collision Liability Total
2019 Volkswagen Beetle $280 $542 $332 $1,290
2018 Volkswagen Beetle $270 $536 $338 $1,280
2017 Volkswagen Beetle $260 $524 $354 $1,274
2016 Volkswagen Beetle $250 $502 $364 $1,252
2015 Volkswagen Beetle $238 $484 $376 $1,234
2014 Volkswagen Beetle $228 $450 $384 $1,198
2013 Volkswagen Beetle $218 $424 $388 $1,166
2012 Volkswagen Beetle $210 $380 $390 $1,116
Compare RatesStart Now →

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
Compare RatesStart Now →

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.

Vehicle Tested Overall Frontal Side Rollover
2019 Volkswagen Beetle C FWD N/R N/R N/R N/R
2019 Volkswagen Beetle 2 DR FWD N/R 4 stars N/R 4 stars
2018 Volkswagen Beetle C FWD N/R N/R N/R N/R
2018 Volkswagen Beetle 2 DR FWD N/R 4 stars N/R 4 stars
2017 Volkswagen Beetle C FWD N/R N/R N/R N/R
2017 Volkswagen Beetle 2 DR FWD 5 stars 4 stars 5 stars 4 stars
2016 Volkswagen Beetle C FWD N/R N/R N/R N/R
2016 Volkswagen Beetle 2 DR FWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
Compare RatesStart Now →

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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

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
Compare RatesStart Now →

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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

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.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
Compare RatesStart Now →

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.

Get quotes for online car insurance for free by typing your ZIP code into the box at the top of this page!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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.

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 airbags 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!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption