Volkswagen Beetle Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Volkswagen Beetle is less expensive to insure compared to the average car.
• Full coverage car insurance for a Beetle runs around $145 per month, on average, while liability only insurance typically averages about $70 a month.
• The lowest insurance company for a Beetle is Safeway.

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Beetle Overview

Coming in with a base MSRP of $20,895 for 2019 models, the Volkswagen Beetle is a great budget-friendly car for drivers of all types. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when you consider your future auto insurance rates.

We sifted through thousands of insurance quotes on Compare.com, and we've found that average Volkswagen Beetle car insurance prices run around $142 per month. But how does that compare to other cars on the market?

How Much is Car Insurance for a Volkswagen Beetle?

Based on the table above, Volkswagen Beetle insurance premiums are below average. Beetle owners can expect to pay about $70 a month for liability insurance, and around $145 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Compared to other Volkswagen models, the Beetle is more affordable, with rates more than 10% lower than the rest of the company's vehicle offerings. Similarly, coverage for the Beetle is lower than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

Overall, they're just more affordable to insure than the average vehicle, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a Volkswagen Beetle?

If you're browsing for a new auto insurance policy for your Volkswagen Beetle, you might be most interested in which carrier offers the lowest prices. Although there will never be one company that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $35 a month from Verti. The next cheapest carrier is MetroMile, who offers auto insurance sometimes as little as $37 per month.

Completing the top 5 carriers are PlymouthRockNJ, Aspire, and Mile Auto. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Volkswagen Beetle.

After all, your results might be different, since car insurance carriers look at several different things when calculating premiums. By analyzing quotes from a bunch of auto insurance companies at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Volkswagen Beetle?

There are quite a few variables that insurance carriers examine to calculate how much they charge you for a policy -- and each company uses a different method, so there's not one single carrier that's the cheapest for every Beetle driver.

The sections below show a multitude of factors auto insurance companies use to decide rates:

Vehicle Age

The Volkswagen Beetle has been around for a while, so vehicle age will likely make a big difference in what you end up paying for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually get lower.

From the table above, you can see the Volkswagen Beetle is an outlier, as the most expensive models to insure are those that are 11 to 14 years old, while on average, the cheapest Beetles are 4 to 5 years old.

Your Age

Age plays a role in how much insurance carriers will charge you. In the table above, you'll see that drivers under 18 have higher prices than drivers who have more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group being 45-54 for Beetle drivers.

Your Gender

You may not know, but men usually pay more for auto insurance than women do. This is because men are more likely to get into accidents and get tickets, which raises the chances of an insurance claim. Surprisingly, when it comes to Beetle drivers specifically, women pay about 7% more than men each month for insurance.

Where You Live

You're probably already aware that variables like what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live has just as much of an impact. Since insurance is regulated on the state level rather than nationally, prices can fluctuate quite a bit from state to state.

For example, the average Volkswagen Beetle owner in New York pays around $103 a month for liability coverage, while on average, the same driver in California will pay $49 less than that price. The table above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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Volkswagen Beetle Car Insurance Discounts

Regardless of what state you call home, which car you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance policy is always a smart move.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than in monthly installments
• Multi-car discounts for adding more than one vehicle to your auto policy

There are lots of other discounts out there for saving money on your insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

While you can't control every factor auto insurance companies reference to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use in your favor when it comes to saving money:

Your Driving Record

You've probably noticed ads from car insurance carriers promoting large discounts for safe drivers. It makes sense that your insurance rates will increase if you get into an accident or get a speeding ticket. But exactly how much can these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost Beetle drivers less than tickets, but both will result in above average rates. Volkswagen Beetle drivers with a single ticket will pay about $94 monthly, while drivers with one accident on their record pay an average of $85 a month (up $15 from the $70/mo. overall average). Those with multiple violations of either kind will end up paying even more.

How Much You Drive

The total amount of miles you drive annually affects your car insurance premiums. Those who drive less often are less likely to get into accidents, so they'll generally get more affordable rates. Above, you can see that Volkswagen Beetle owners who drive 10,000 miles or more pay $75 for auto insurance, while those who drive fewer than 2,500 miles every year pay about $62 a month.

But if you're one of those drivers who don't put very many miles on your Volkswagen Beetle each year, it may be worth considering usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volkswagen Beetles Compare to Other Vehicles?

If you're thinking about making a Volkswagen Beetle your next vehicle, you might be wondering how it compares to other cars. Car insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Take a look at the table below to see how the Volkswagen Beetle stacks up:

With an MSRP that's less than half of the going rate for a new vehicle, the Volkswagen Beetle is a great value when it comes to price. While the national average vehicle MSRP is $46,074, the Beetle starts at just $20,895.

Similarly, auto insurance prices run below average when compared to the rest of the vehicle market. Liability insurance for a Volkswagen Beetle is about $11 per month less than average, while full coverage is more than $30 cheaper monthly.

When it comes to usage, Volkswagen Beetle drivers are near the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Beetle's 10,692 every year.

Volkswagen Beetle Car Insurance Costs by Model Year

Thus far, you've seen how different factors affect how much the average driver pays for insurance. If you're considering purchasing a new Beetle, knowing what you can expect to pay can be extremely valuable as you weigh your choices.

Choose Your Model

2019 Volkswagen Beetle Car Insurance 2018 Volkswagen Beetle Car Insurance 2017 Volkswagen Beetle Car Insurance 2016 Volkswagen Beetle Car Insurance 2015 Volkswagen Beetle Car Insurance 2014 Volkswagen Beetle Car Insurance 2013 Volkswagen Beetle Car Insurance 2012 Volkswagen Beetle Car Insurance 2010 Volkswagen Beetle Car Insurance 2009 Volkswagen Beetle Car Insurance 2008 Volkswagen Beetle Car Insurance 2007 Volkswagen Beetle Car Insurance

2019 Volkswagen Beetle Car Insurance

You can expect full coverage for a 2019 Volkswagen Beetle to run around $132 per month, while liability only coverage will average about $70 a month.

Infinity offered the cheapest policy we found, with rates as little as $51 per month.

If you want to know exactly how much you can expect to pay for your Beetle, get free quotes in minutes by just entering your ZIP code below.

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2018 Volkswagen Beetle Car Insurance

It costs around $61 monthly for liability or $158 for a full coverage policy for the 2018 Beetle.

With premiums as low as just $23 per month, DirectGeneral offered the most affordable policy we found for the 2018 Volkswagen Beetle.

Interested in what your auto insurance rate will be? Get a variety of free personalized quotes by just entering your ZIP code below.

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2017 Volkswagen Beetle Car Insurance

2017 Volkswagen Beetle drivers can expect to pay an average of $54 monthly for liability or $150 for full coverage.

We found Commonwealth Casualty offered the lowest policy, with rates as cheap as just $23 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2016 Volkswagen Beetle Car Insurance

The average cost to insure a 2016 Beetle with liability only coverage is $55 monthly, while full coverage runs about $162 per month.

Looking for the most affordable policy? Liberty Mutual offered liability only coverage for sometimes as low as $17 a month.

Interested in exactly how much you'll pay? Get multiple free customized quotes by just entering your ZIP code below.

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2015 Volkswagen Beetle Car Insurance

On average, drivers who own a 2015 Volkswagen Beetle can expect to pay $66 to $153 per month for liability only and full coverage insurance, respectively.

With prices sometimes as cheap as $23 a month, Mercury offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Beetle, just enter your ZIP code below and get several free quotes in minutes.

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2014 Volkswagen Beetle Car Insurance

The average cost to insure a 2014 Beetle with liability only coverage is $71 monthly, while full coverage runs around $153 a month.

If you're looking for the most affordable 2014 Volkswagen Beetle insurance policy, MetroMile offered the lowest policy we found, with rates as little as just $21 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2013 Volkswagen Beetle Car Insurance

It costs about $64 monthly for liability or $147 for a full coverage policy for the 2013 Volkswagen Beetle.

Aspire has rates as cheap as $18 a month for the 2013 Volkswagen Beetle.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2012 Volkswagen Beetle Car Insurance

You can expect full coverage for a 2012 Beetle to run around $145 monthly, while liability only coverage will average about $60 per month.

We found Safeco offered the cheapest policy, with rates as low as $16 monthly.

Interested in just how much you'll pay? Get several personalized quotes for free by just entering your ZIP code below.

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2010 Volkswagen Beetle Car Insurance

2010 Volkswagen Beetle drivers can expect to pay an average of $69 a month for liability or $140 for full coverage.

With prices as cheap as just $17 per month, SafeAuto offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2009 Volkswagen Beetle Car Insurance

On average, drivers who own a 2009 Beetle can expect to pay $94 to $208 monthly for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? AnswerFinancial offered liability only coverage for as cheap as $21 a month.

Want to find the lowest rates? Enter your ZIP code below to get lots of free personalized quotes.

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2008 Volkswagen Beetle Car Insurance

You can expect full coverage for a 2008 Volkswagen Beetle to run around $128 per month, while liability only coverage will average about $77 monthly.

ACG has premiums sometimes as low as $17 per month for the 2008 Volkswagen Beetle.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2007 Volkswagen Beetle Car Insurance

On average, drivers who own a 2007 Beetle can expect to pay $74 to $144 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2007 Volkswagen Beetle insurance policy, Commonwealth Casualty offered the cheapest policy we found, with rates sometimes as cheap as $18 per month.

These average prices are a great starting point if you're in the market for a 2007 Volkswagen Beetle, but there are lots of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Volkswagen Beetle Insurance FAQs

Is a Volkswagen Beetle expensive to insure?

When compared to the national average of all cars, rates come in on the cheaper end of the spectrum. Liability insurance runs an average of $70 a month, while full coverage will cost you around $145.

How can I get the best price on car insurance for my Volkswagen Beetle?

The only way to guarantee you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from several companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Volkswagen Beetle affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car, but that's actually not true. There are multiple things auto insurance companies consider when they decide your car insurance premium, but your Beetle's color is not one of them.

Do I need to have insurance before I buy a Volkswagen Beetle?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your insurance company know ahead of time.

What car insurance discounts can I get for my Volkswagen Beetle?

There are a multitude of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the Volkswagen Beetle you drive, but if your Beetle has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The best way to find out is to reach out to your insurance carrier and ask about their discounts.