Key Takeaways
How much does it cost to insure a VW Beetle? We looked at car insurance prices for the 2012-2019 Beetles to see how they stacked against the competition. The Volkswagen Beetle's average insurance rate is $132 more than the average for compact cars.
Car insurance for a Volkswagen Beetle costs an average of $1,536 per year, depending on where you live, how old the driver is, and other factors.
Here is a comparison between the average insurance cost of the Volkswagen Beetle and selected competitors in the same segment.
| Model | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Scion tC | $1,140 | $95 |
| Nissan Juke | $1,152 | $96 |
| Ford Fiesta | $1,392 | $116 |
| Kia Soul | $1,404 | $117 |
| Toyota Yaris | $1,452 | $121 |
| Chevrolet Sonic | $1,476 | $123 |
| MINI Cooper | $1,524 | $127 |
| VW Beetle | $1,536 | $128 |
| Honda Civic | $1,548 | $129 |
| Hyundai Veloster | $1,548 | $129 |
Trim Level : The Volkswagen Beetle insurance rate is significantly influenced by the car trim levels. The car model is available in S, SE, Final Edition SE, and Final Edition SEL trim levels. S, being the basic trim level, is the cheapest one to insure. Higher trims with more features add to the car's MSRP and the cost for repair/maintenance, hence, the insurance rates also go up.
Age & Gender: Carriers categorize drivers belonging to various age groups and genders into a specific risk category. According to these criteria derived from the analysis of claim history, male drivers aged below 25 are considered high-risk. Also, with a lower claim rate, females are considered safer drivers; hence, the premium rate for them is less compared to that of a male driver of the same age.
Driving History: Insurance carriers look up your driving history to calculate the Volkswagen Beetle insurance quotes. Any incident of DUI, speed ticket, or at-fault accidents will lead to a sharp spike in the annual insurance cost.
Location: The insurance rate alters according to the location or ZIP codes to which the car is registered. States or locations where the number of natural disasters or theft incidents is high will result in higher Volkswagen Beetle insurance rates.
Credit Score: Insurers in most states check your credit score. This is to assess the potential claim for the upcoming year. Based on the claim history, drivers with lower credit scores tend to file more.
Mileage Driven Annually: The annual mileage of your Volkswagen Beetle indicates your risk profile. More mileage means more risk, and the carriers quote higher insurance rates for such cars.
The Volkswagen Beetle insurance cost varies according to the model year. The newer the car is, the higher the insurance rates will be. The latest technologies, higher MSRP, and added cost for the new parts are reasons for the higher insurance cost of newer car model years.
| Volkswagen Beetle Model Year | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| 2019 Volkswagen Beetle | $1,626 | $136 |
| 2017 Volkswagen Beetle | $1,062 | $89 |
| 2016 Volkswagen Beetle | $1,523 | $127 |
| 2015 Volkswagen Beetle | $786 | $66 |
| 2014 Volkswagen Beetle | $770 | $64 |
| 2013 Volkswagen Beetle | $750 | $63 |
| 2012 Volkswagen Beetle | $786 | $66 |
When finding the right car insurance company for your Volkswagen Beetle, it's essential to do some research to ensure that you get the best coverage at the most affordable price.
Ensure that the carrier you choose is financially stable and has good customer reviews for paying claims. This will ensure that you are protected if you need to file a claim in the future.
Some insurance companies known for offering quality coverage for Volkswagen Beetles include Progressive, Erie, and USAA. Remember that the best insurance company for you will depend on various factors, including your driving history, the type of coverage you need, and your budget. Find some of the best-reviewed car insurance carriers for Volkswagen Beetle and the average rates they offer in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Progressive | $743 | $62 |
| Erie | $824 | $69 |
| USAA | $844 | $70 |
| Texas Farm Bureau | $882 | $73 |
| State Farm | $917 | $76 |
| Vermont Mutual | $967 | $81 |
| Tennessee Farmers | $1,002 | $83 |
| Nationwide | $1,016 | $85 |
| Plymouth Rock Insurance | $1,025 | $85 |
| American Family | $1,067 | $89 |
| Acuity | $1,085 | $90 |
| Country | $1,224 | $102 |
The average annual insurance rate for the 2019 Volkswagen Beetle is $1626. The rate is 5.8% more than the overall annual rate for the model. Insurers such as Cincinnati, Erie, and USAA offer cheap rates. The cheapest annual average rate for the Beetle 2019 model year is $956, offered by Cincinnati Insurance. The following table shows insurers offering cheap rates.
| Cheapest Insurance Companies | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Cincinnati Insurance | $956 | $80 |
| Erie | $1,090 | $91 |
| USAA | $1,121 | $93 |
| Nationwide | $1,146 | $96 |
| Auto Owners | $1,154 | $96 |
| Country | $1,219 | $102 |
| Arbella | $1,308 | $109 |
| American Family | $1,341 | $112 |
| Southern Farm Bureau | $1,348 | $112 |
| Acuity | $1,351 | $113 |
| State Farm | $1,392 | $116 |
| Plymouth Rock Insurance | $1,424 | $119 |
The 2017 Volkswagen Beetle insurance rate is the cheapest with Erie. While the overall average for the model year is $1,062, the average annual rate offered by Erie is $803. The cheap rates across carriers range between $67 and $96. Go through the respective rates in the table below and choose the best one among them.
| Cheapest Insurance Companies | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Erie | $803 | $67 |
| Progressive | $811 | $68 |
| Texas Farm Bureau | $850 | $71 |
| USAA | $884 | $74 |
| State Farm | $939 | $78 |
| Plymouth Rock Insurance | $1,039 | $87 |
| Vermont Mutual | $1,052 | $88 |
| Tennessee Farmers | $1,126 | $94 |
| Nationwide | $1,136 | $95 |
| American Family | $1,146 | $96 |
| Acuity | $1,149 | $96 |
Texas Farm Bureau offers the cheapest 2016 Volkswagen Beetle car insurance rates. The average annual insurance rate offered by the carrier is $942. At the same time, the overall annual average insurance cost for the Volkswagen Beetle 2016 model year is $1,523. Find more cheap Beetle insurance rates across the carriers in the table below.
| Cheapest Insurance Companies | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $942 | $79 |
| Nationwide | $1,058 | $88 |
| Vermont Mutual | $1,088 | $91 |
| USAA | $1,162 | $97 |
| Erie | $1,214 | $101 |
| State Farm | $1,258 | $105 |
| 21st Century | $1,303 | $109 |
| American Family | $1,303 | $109 |
| Mercury | $1,369 | $114 |
| Country | $1,428 | $119 |
| Progressive | $1,433 | $119 |
The overall average insurance cost for the 2015 Volkswagen Beetle is $786. The lowest Volkswagen Beetle insurance rate for the model year is $537, which is 31% lower than the overall annual average for the 2015 model year. Progressive offers the lowest premium for the car model year. Find cheap rates in the table below.
| Cheapest Insurance Companies | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Progressive | $537 | $45 |
| Erie | $567 | $47 |
| State Farm | $588 | $49 |
| USAA | $606 | $51 |
| American Family | $890 | $74 |
| Texas Farm Bureau | $917 | $76 |
| Nationwide | $920 | $77 |
| Tennessee Farmers | $922 | $77 |
| Farmers | $949 | $79 |
| Plymouth Rock Insurance | $960 | $80 |
| Country | $1,001 | $83 |
Volkswagen Beetle insurance rates for the 2014 model year cost you $770 on average per year. The cheapest insurer for the car model year is Progressive. The average annual insurance rate offered by the carrier is $537. Go through more cheap insurance rates in the table below.
| Cheapest Insurance Companies | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Progressive | $537 | $45 |
| Erie | $569 | $47 |
| USAA | $578 | $48 |
| State Farm | $596 | $50 |
| American Family | $852 | $71 |
| Texas Farm Bureau | $894 | $75 |
| Tennessee Farmers | $919 | $77 |
| Plymouth Rock Insurance | $931 | $78 |
| Farmers | $939 | $78 |
| Nationwide | $945 | $79 |
| Vermont Mutual | $982 | $82 |
The average annual VW Beetle 2013 model year insurance rate is $750. While Progressive offers the cheapest rate for the car model year, more providers such as Erie, USAA, State Farm, etc., also offer rates lower than the model year average. Find the cheap insurance companies and respective average monthly and annual rates in the table below.
| Cheapest Insurance Companies | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Progressive | $544 | $45 |
| Erie | $551 | $46 |
| USAA | $553 | $46 |
| State Farm | $578 | $48 |
| American Family | $795 | $66 |
| Texas Farm Bureau | $823 | $69 |
| Tennessee Farmers | $833 | $69 |
| Vermont Mutual | $867 | $72 |
| Acuity | $908 | $76 |
| Nationwide | $909 | $76 |
| Plymouth Rock Insurance | $912 | $76 |
USAA is the cheapest insurance company for the 2012 Volkswagen Beetle. The average annual premium offered by the provider is $534. Though the overall annual average for the car model year is $786, cheap monthly rates are available, ranging between $45 and $79. Go through the average rates offered by respective carriers in the table below.
| Cheapest Insurance Companies | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| USAA | $534 | $45 |
| Erie | $571 | $48 |
| Progressive | $594 | $50 |
| State Farm | $599 | $50 |
| American Family | $806 | $67 |
| Vermont Mutual | $861 | $72 |
| Texas Farm Bureau | $864 | $72 |
| Plymouth Rock Insurance | $881 | $73 |
| Tennessee Farmers | $892 | $74 |
| Acuity | $932 | $78 |
| Nationwide | $949 | $79 |
Volkswagen produces cars with the best safety features; the case of the Beetle is not so different. Go through the safety features available in the latest car model, which can lower the Beetle car insurance rates.
Safety ratings are as important for the insurers as the safety features. The safety ratings given by the top bodies, such as IIHS and NHTSA, give the best insights into the car's quality of build and how efficient the built-in safety features are. The best safety ratings could lower your Volkswagen Beetle auto insurance cost.
Here is an overview of the ratings based on the outcomes of safety tests conducted by Insurance Institute for Highway Safety for the Volkswagen Beetle.
| IIHS Test Type | Safety Ratings |
|---|---|
| Small overlap front: driver-side | Marginal |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
Based on various tests, the National Highway Traffic Safety Administration gives a 4-star rating for the car model's overall safety. The ratings given to respective safety tests are mentioned in the table below.
| NHTSA Test Type | Safety Ratings |
|---|---|
| Frontal Barrier Test for Drivers | 5 Star |
| Frontal Barrier Test for Passenger | 4 Star |
| Rollover Resistance | 4 Star |
| Rollover Risk | 10.50% |
Choose a Hardtop (Coupe) Over a Convertible: Hardtops make the car less risky for driving. Also, compared to the convertible, the security of the car is higher. Therefore, by choosing a hardtop coupe model, we can lower the Volkswagen Beetle insurance cost.
Bundle with home/renter's insurance: More than one insurance policy with the same carrier lets you bundle the policies and get a discounted auto insurance rate.
Installing anti-theft devices: Adding more security features to your car is a good sign. Make sure you declare the same in your application for auto insurance. Taking such steps will help you lower the Volkswagen Beetle insurance cost.
Usage-based insurance (UBI) programs: Usage-based insurance tracks your car's average speed, acceleration, miles driven, etc. When you find safe insurance habits and analyze the mentioned metrics, the insurers offer you cheaper Volkswagen Beetle car insurance rates.
Maintain a clean driving record: The driving record speaks loudly about your risk profile. Insurers always check it before offering the best quote for you. Therefore, avoid getting involved in incidents such as driving under influence, at-fault collisions, etc.
Shop around annually: Instead of continuing under the coverage of the same carrier, it is best to shop around every year. All insurance providers revise the rates for car models annually. Therefore, many other carriers might have better offers for you.
The finest method to find the best Volkswagen Beetle car insurance rates is to compare the quotes among multiple insurers. While comparing, you will gain insights into the difference between the coverages and rates for the same coverages.
To compare the rates, you can go either of the two ways: either contact the insurer directly or use platforms such as the Way app. While the former method requires you to visit the respective insurers' websites, the latter is handier as it brings a comprehensive comparison among the carriers on a single platform.
Finding insurance for your Volkswagen Beetle through the Way app can be a "bug's life" of fun. With Way's easy-to-use comparison tool, you can "beetle-bop" from one insurance company to the next to find the best coverage for your budget.
In the end, getting personalized quotes instantly for your Volkswagen Beetle through Way.com is like a "smooth ride" - easy, affordable, and full of savings.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Car insurance for a Volkswagen Beetle costs an average of $1,536 per year, depending on where you live, how old the driver is, and other factors.
Volkswagen Beetle car insurance rates are not too expensive. The car model is generally considered relatively affordable to insure when compared to others in the same segment.
Volkswagen insurance rates are not too cheap compared to the competing models, such as the Ford Fiesta, Toyota Yaris, Chevrolet Sonic, etc.
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