How Much are Volkswagen Beetle Insurance Rates?

Average car insurance rates for a Volkswagen Beetle cost $1,290 a year, or around $108 a month. On average, Volkswagen Beetle comprehensive insurance coverage costs $314, collision coverage costs $459, and liability coverage costs $364.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Volkswagen Bugs are popular in the US due to the unusual design of the dome-shaped roof which has stayed with the vehicle since the 1930s
  • Since Bugs are manufactured by a German company, repairs can be costly because parts must be imported. Expensive repairs often mean higher premiums
  • Newer VW Bug models have additional safety features that can help reduce insurance rates; make sure you know what features your vehicle has to qualify for discounts
  • Gather several quotes before making a decision on one company from which to buy your insurance coverage

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 in policy discounts by practicing safe driving habits. Let’s take a closer look at Volkswagen Beetle insurance rates, crash test ratings, and more.

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

Volkswagen Beetle Insurance Cost

The average Volkswagen Beetle auto insurance costs are $1,290 a year or $108 a month.

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Are Volkswagen Beetles Expensive to Insure?

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

What Impacts the Cost of Volkswagen Beetle Insurance?

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

Driver Location

Where you live can have a large 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 20’s 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
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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
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Volkswagen Beetle Safety Features

The Volkswagen Beetle 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 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
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Volkswagen Beetle Finance and Insurance Cost

When financing a Volkswagen Beetle, most lenders will require your 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.

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Ways to Save on Volkswagen Beetle Insurance

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

Top Volkswagen Beetle Insurance Companies

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
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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 Bugs a whole new demographic. Insurance for this German import averages $1,300 a year.

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What’s so special about a VW Bug?

Though Volkswagen began producing the Beetle in the 1930s, it became popular in the United States in the 1950s and 1960s. 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 Bug. The dome-shaped roof was the most recognizable carry-over.

However, this new generation of Beetles had many modern redesigns. The engine was relocated to the front and was turbo charged. Options like sun roofs and convertibles 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 Bug brought a retro vibe to the market.

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

Thus, the car appeals not only to those with fond memories of the older Bug 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 roof line.

What features of the VW Bug affect insurance costs?

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

The Insurance Institute for Highway Safety has awarded the New Beetle the highest rating of Good in its off-set frontal crash tests, which helps lower premiums, 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.

When getting a quote for a VW Bug, 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.

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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 save on these premiums 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, homeowner’s or renter’s insurance, or need life insurance, get quotes for insuring them all with the same company.

You’ll save big not just on the car insurance but all the policies.

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.

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