Insurance premiums for a Volkswagen Beetle average $150 monthly for full coverage and $77 for minimum coverage. Depending on your particular trim and model year, costs can range from $49 to $205 monthly.
Volkswagen Beetle Insurance Cost
Updated: February 4, 2026
Key Takeaways
Costs vary widely by model year and insurer, but Volkswagen Beetle insurance averages $150 per month for full coverage. GEICO offers the most affordable rates for Beetle owners. Read more
Convertibles generally cost more to insure than other vehicle types due to higher repair costs and theft rates. The Beetle ranks 10th out of 35 convertibles for affordability, placing it in the middle tier among its vehicle class. Read more
For the most accurate rates, check costs specific to your Beetle's model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific Beetle model years, depending on the age of the drivers
How Much Is Volkswagen Beetle Insurance?
| Volkswagen Beetle | $77 | $150 |
Looking for another Volkswagen model? Read more about the cost of Volkswagen car insurance models.
Model year affects Volkswagen Beetle insurance costs. Newer models cost more to insure because of their higher fair market value. Monthly premiums range from $68 for older Beetles to $533 for the newest models.
Costs vary by model year and insurer. Volkswagen Beetle minimum coverage insurance costs range from $83 monthly with GEICO to $207 with UAIC. Full coverage costs range from $179 monthly with GEICO to $505 with AIG.
Beetle owners should shop between insurers since minimum coverage varies by over $120 and full coverage by over $300. Insurance companies use different risk calculations for the Beetle that affect your final quote.
| AAA | $89 | $184 |
| AIG | $114 | $280 |
| Allstate | $105 | $203 |
| Amica | $95 | $194 |
| Chubb | $98 | $194 |
| Farmers | $104 | $181 |
| Geico | $55 | $119 |
| Kemper | $80 | $162 |
| Nationwide | $86 | $149 |
| Progressive | $75 | $140 |
| State Farm | $78 | $161 |
| The Hartford | $85 | $145 |
| Travelers | $65 | $120 |
| UAIC | $128 | $159 |
Is Volkswagen Beetle Expensive to Insure?
MoneyGeek's analysis of convertibles reveals where the Volkswagen Beetle stands among its peers. Comparing it to the other 35 convertibles in our rate database, the Beetle ranks 10th in affordability, meaning 9 vehicles cost less to insure. It's positioned just a few dollars per month more expensive than a Volvo C70 and slightly cheaper than an Audi A4, placing it comfortably in the middle tier.
While that's middle of the pack among convertibles, this vehicle type is expensive to insure overall. The Beetle's 94th place out of 827 total cars puts it in the top half for affordability across all models. The cheapest convertible to insure is a Pontiac Sunfire, while the Mercedes S-Class commands the highest premiums in this category.
| Mercedes CLK-Class | $121 | 7 |
| BMW 3-series | $122 | 8 |
| Volvo C70 | $122 | 9 |
| Volkswagen Beetle | $125 | 10 |
| Audi A4 | $126 | 11 |
| Audi TT | $127 | 12 |
| Infiniti G-Series | $131 | 13 |
What you'll pay for Volkswagen Beetle insurance depends on:
- Average repair or replacement costs: Repair and replacement expenses directly impact your insurance premiums. Volkswagen Beetle maintenance costs influence how much insurers charge, as higher repair bills lead to increased coverage rates.
- Vehicle trim, features and accessories: The Beetle's performance capabilities range from 150 to 210 horsepower, depending on your trim level. Higher-performance variants cost more to insure since increased power translates to higher premiums.
- Driver profile:Â Most Volkswagen Beetle drivers are 25 to 40 years old, with a median age of around 30. The Beetle's performance reputation attracts risk-taking behaviors that concern insurers, especially for younger drivers. Read more about the costs of Volkswagen Beetles for young drivers
Volkswagen Beetle Costs by Model Year and Driver Age by Insurance Company
Model year plays a crucial role in determining your Volkswagen Beetle insurance costs, along with driver age on your policy. A 35- to 55-year-old driver with a 2012 Volkswagen Beetle pays an average of $138 monthly for full coverage compared to $201 for a 2019 model. Newer car models tend to be much more expensive than older models, and young drivers in their teens and early twenties will pay much more to insure.
GEICO is the cheapest insurer across all model years.
Older models (2012 to 2015):
- 2015 Volkswagen Beetle Insurance Rates
- 2014 Volkswagen Beetle Insurance Rates
- 2013 Volkswagen Beetle Insurance Rates
- 2012 Volkswagen Beetle Insurance Rates
Cost of Car Insurance for 2025 Volkswagen Beetle
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
Cost of Car Insurance for 2019 Volkswagen Beetle
| Geico | $63 | $136 |
| National General | $73 | $149 |
| Travelers | $79 | $146 |
| Progressive | $88 | $164 |
| Kemper | $96 | $196 |
| State Farm | $98 | $203 |
| Nationwide | $101 | $174 |
| The Hartford | $102 | $174 |
| AAA | $106 | $220 |
| Amica | $114 | $234 |
| Chubb | $119 | $236 |
| Farmers | $124 | $217 |
| Allstate | $127 | $246 |
| AIG | $135 | $334 |
| UAIC | $150 | $187 |
2019 Volkswagen Beetle Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $764 | $672 | $594 | $513 | $453 | $385 | $350 | $312 | $285 | $251 |
| Geico | $770 | $561 | $472 | $342 | $295 | $238 | $219 | $181 | $172 | $156 |
| Nationwide | $793 | $724 | $668 | $566 | $479 | $310 | $288 | $268 | $254 | $227 |
| Travelers | $878 | $632 | $499 | $384 | $339 | $249 | $228 | $210 | $194 | $168 |
| Allstate | $1,175 | $918 | $740 | $547 | $490 | $382 | $347 | $328 | $309 | $273 |
| Progressive | $1,199 | $965 | $799 | $445 | $388 | $314 | $279 | $249 | $229 | $197 |
| Farmers | $1,311 | $973 | $869 | $552 | $523 | $401 | $355 | $341 | $324 | $272 |
Cost of Car Insurance for 2018 Volkswagen Beetle
| Geico | $55 | $120 |
| National General | $64 | $131 |
| Travelers | $70 | $129 |
| Progressive | $78 | $145 |
| Kemper | $85 | $172 |
| State Farm | $86 | $179 |
| Nationwide | $89 | $154 |
| The Hartford | $90 | $154 |
| AAA | $94 | $194 |
| Amica | $101 | $206 |
| Chubb | $105 | $208 |
| Farmers | $109 | $191 |
| Allstate | $112 | $216 |
| AIG | $119 | $295 |
| UAIC | $132 | $165 |
2018 Volkswagen Beetle Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $674 | $593 | $524 | $453 | $399 | $340 | $309 | $275 | $252 | $222 |
| Geico | $679 | $495 | $416 | $301 | $260 | $210 | $193 | $160 | $151 | $138 |
| Nationwide | $699 | $639 | $589 | $499 | $422 | $274 | $254 | $237 | $224 | $200 |
| Travelers | $774 | $557 | $440 | $339 | $299 | $220 | $201 | $185 | $171 | $148 |
| Allstate | $1,036 | $810 | $653 | $483 | $432 | $337 | $306 | $289 | $272 | $241 |
| Progressive | $1,057 | $850 | $704 | $392 | $342 | $277 | $246 | $220 | $202 | $173 |
| Farmers | $1,156 | $858 | $766 | $487 | $461 | $353 | $313 | $300 | $285 | $240 |
Cost of Car Insurance for 2017 Volkswagen Beetle
| Geico | $48 | $104 |
| National General | $55 | $113 |
| Travelers | $60 | $111 |
| Progressive | $67 | $125 |
| Kemper | $73 | $149 |
| State Farm | $74 | $155 |
| Nationwide | $77 | $133 |
| The Hartford | $78 | $133 |
| AAA | $81 | $168 |
| Amica | $87 | $178 |
| Chubb | $91 | $180 |
| Farmers | $95 | $165 |
| Allstate | $97 | $187 |
| AIG | $103 | $255 |
| UAIC | $114 | $142 |
2017 Volkswagen Beetle Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $583 | $513 | $453 | $392 | $345 | $294 | $267 | $238 | $218 | $192 |
| Geico | $587 | $428 | $360 | $261 | $225 | $181 | $167 | $138 | $131 | $119 |
| Nationwide | $605 | $552 | $509 | $432 | $365 | $237 | $219 | $205 | $193 | $173 |
| Travelers | $670 | $482 | $380 | $293 | $258 | $190 | $174 | $160 | $148 | $128 |
| Allstate | $896 | $700 | $565 | $417 | $374 | $291 | $265 | $250 | $235 | $208 |
| Progressive | $914 | $736 | $609 | $339 | $296 | $239 | $213 | $190 | $175 | $150 |
| Farmers | $1,000 | $742 | $662 | $421 | $399 | $305 | $271 | $260 | $247 | $208 |
Cost of Car Insurance for 2016 Volkswagen Beetle
| Geico | $43 | $93 |
| National General | $50 | $102 |
| Travelers | $54 | $100 |
| Progressive | $60 | $112 |
| Kemper | $66 | $134 |
| State Farm | $67 | $139 |
| Nationwide | $69 | $119 |
| The Hartford | $70 | $119 |
| AAA | $73 | $150 |
| Amica | $78 | $160 |
| Chubb | $81 | $161 |
| Farmers | $85 | $148 |
| Allstate | $87 | $168 |
| AIG | $92 | $228 |
| UAIC | $103 | $128 |
2016 Volkswagen Beetle Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $523 | $460 | $406 | $351 | $310 | $264 | $239 | $214 | $195 | $172 |
| Geico | $527 | $384 | $322 | $234 | $201 | $163 | $150 | $124 | $117 | $107 |
| Nationwide | $542 | $495 | $457 | $387 | $327 | $212 | $197 | $184 | $173 | $155 |
| Travelers | $600 | $432 | $341 | $263 | $232 | $170 | $156 | $144 | $133 | $115 |
| Allstate | $803 | $628 | $506 | $374 | $335 | $261 | $237 | $224 | $211 | $187 |
| Progressive | $820 | $660 | $546 | $304 | $265 | $214 | $191 | $170 | $157 | $135 |
| Farmers | $897 | $665 | $594 | $378 | $358 | $274 | $243 | $233 | $221 | $186 |
Volkswagen Beetle Insurance Cost by Trim
Volkswagen Beetle insurance costs range from $49 monthly for minimum coverage on basic 1.8t Wolfsburg Edition Hatchback 2d models to $205 for full coverage on high-performance R-Line Convertible 2d variants. Your trim's performance features, rarity, and market value determine where you'll fall in this range.
| 1.8t Wolfsburg Edition Hatchback 2d | $49 | $96 |
| 1.8t S Hatchback 2d | $53 | $103 |
| #Pinkbeetle Hatchback 2d | $53 | $103 |
| 1.8t Se Hatchback 2d | $57 | $111 |
| 2.0t Turbo Hatchback 2d | $57 | $111 |
| 1.8t Dune Hatchback 2d | $60 | $117 |
| 2.5l Entry Hatchback 2d | $61 | $119 |
| 1.8t Fleet Edition Hatchback 2d | $62 | $121 |
| 2.5l Fender Edition Hatchback 2d | $64 | $124 |
| 2.5l Hatchback 2d | $66 | $128 |
| 1.8t Sel Hatchback 2d | $66 | $128 |
| R-Line Se Hatchback 2d | $68 | $132 |
| Hatchback 2d | $69 | $134 |
| 1.8t Classic Hatchback 2d | $70 | $135 |
| 2.0t S Hatchback 2d | $70 | $135 |
| #Pinkbeetle Convertible 2d | $70 | $136 |
| 1.8t Denim Convertible 2d | $71 | $137 |
| 1.8t S Convertible 2d | $72 | $139 |
| 2.5l 50'S Edition Convertible 2d | $72 | $139 |
| R-Line S Convertible 2d | $72 | $140 |
| R-Line Se Convertible 2d | $73 | $142 |
| 1.8t Sel Convertible 2d | $74 | $144 |
| 2.0t Coast Hatchback 2d | $75 | $145 |
| Turbo Hatchback 2d | $75 | $146 |
| 1.8t Se Convertible 2d | $76 | $146 |
| 1.8t Entry Hatchback 2d | $76 | $147 |
| Turbo Fender Edition Hatchback 2d | $76 | $147 |
| R-Line Sel Hatchback 2d | $76 | $148 |
| 2.0t Turbo Launch Edition Hatchback 2d | $78 | $150 |
| R-Line Sel Convertible 2d | $78 | $151 |
| 1.8t Hatchback 2d | $78 | $151 |
| 1.8t Dune Convertible 2d | $79 | $153 |
| 2.5l 70'S Edition Convertible 2d | $79 | $152 |
| 2.0t Se Hatchback 2d | $81 | $157 |
| Turbo 60'S Edition Convertible 2d | $82 | $159 |
| Tdi Hatchback 2d | $84 | $161 |
| 2.0t Coast Convertible 2d | $84 | $162 |
| 2.0t R-Line Sel Hatchback 2d | $85 | $164 |
| 2.5l Convertible 2d | $85 | $164 |
| 1.8t Classic Convertible 2d | $85 | $164 |
| R-Line Hatchback 2d | $85 | $165 |
| 2.0t Dune Hatchback 2d | $86 | $166 |
| 2.0t Final Edition Se Hatchback 2d | $87 | $169 |
| 2.0t Dune Convertible 2d | $91 | $176 |
| 2.0t Se Convertible 2d | $91 | $177 |
| Turbo Convertible 2d | $92 | $178 |
| 2.0t S Convertible 2d | $93 | $181 |
| 1.8t Convertible 2d | $94 | $181 |
| Tdi Convertible 2d | $95 | $183 |
| Gsr Hatchback 2d | $96 | $185 |
| 2.0t Final Edition Sel Hatchback 2d | $96 | $187 |
| 2.0t Final Edition Sel Convertible 2d | $103 | $199 |
| 2.0t Final Edition Se Convertible 2d | $104 | $201 |
| R-Line Convertible 2d | $106 | $205 |
Volkswagen Beetle Insurance Cost by State
Car insurance for a Volkswagen Beetle costs anywhere from $29 per month in Wyoming to $156 in Louisiana for minimum coverage, depending on where you're located. Your state's risk characteristics and insurance regulations create these differences, not the vehicle model itself.
| Alabama | $63 | $120 |
| Alaska | $57 | $121 |
| Arizona | $92 | $172 |
| Arkansas | $61 | $136 |
| California | $73 | $148 |
| Colorado | $75 | $179 |
| Connecticut | $107 | $185 |
| Delaware | $111 | $187 |
| Florida | $97 | $225 |
| Georgia | $114 | $188 |
| Hawaii | $42 | $94 |
| Idaho | $42 | $86 |
| Illinois | $71 | $132 |
| Indiana | $49 | $96 |
| Iowa | $42 | $101 |
| Kansas | $54 | $126 |
| Kentucky | $96 | $162 |
| Louisiana | $156 | $337 |
| Maine | $40 | $83 |
| Maryland | $115 | $194 |
| Massachusetts | $80 | $169 |
| Michigan | $118 | $229 |
| Minnesota | $63 | $132 |
| Mississippi | $65 | $130 |
| Missouri | $87 | $174 |
| Montana | $52 | $123 |
| Nebraska | $56 | $128 |
| Nevada | $135 | $245 |
| New Hampshire | $56 | $99 |
| New Jersey | $125 | $207 |
| New Mexico | $62 | $138 |
| New York | $92 | $165 |
| North Carolina | $63 | $124 |
| North Dakota | $47 | $102 |
| Ohio | $57 | $110 |
| Oklahoma | $67 | $149 |
| Oregon | $94 | $165 |
| Pennsylvania | $66 | $154 |
| Rhode Island | $98 | $174 |
| South Carolina | $84 | $156 |
| South Dakota | $40 | $123 |
| Tennessee | $59 | $121 |
| Texas | $97 | $200 |
| Utah | $83 | $141 |
| Vermont | $35 | $83 |
| Virginia | $73 | $119 |
| Washington | $72 | $133 |
| West Virginia | $67 | $137 |
| Wisconsin | $49 | $107 |
| Wyoming | $29 | $90 |
How to Lower the Cost of Volkswagen Beetle Insurance
We've compiled proven strategies to help you find better rates on your Volkswagen Beetle insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Volkswagen Beetle based on ownership status. Own your Beetle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact cars like your Beetle. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you spot genuine deals versus inflated quotes when shopping around.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability ratings. Budget insurers might provide limited coverage options or slower customer service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your specific situation and driving habits. Volkswagen Beetle owners often qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device reductions. Many insurers also offer discounts for completing defensive driving courses or maintaining continuous coverage without gaps.
- 5Consider alternative car insurance types
Volkswagen Beetle owners could explore usage-based insurance programs that track driving habits and deliver premium reductions. Options like Allstate Drivewise telematics or Progressive Snapshot mileage-based plans monitor safe driving behaviors including smooth braking, steady acceleration and avoiding late-night driving. These programs can reduce costs for careful drivers.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting the best deal available. Your current insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your Volkswagen Beetle insurance. Set a calendar reminder each year before your policy renewal date.
Volkswagen Beetle Insurance Cost: Bottom Line
Volkswagen Beetle insurance costs less than average, and you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to secure the best rate.
Volkswagen Beetle Insurance Rates: FAQ
What is the average cost of car insurance for a Volkswagen Beetle?
Volkswagen Beetle insurance costs $927 annually for state minimum coverage and $1,795 for full coverage.
What company has the cheapest car insurance for a Volkswagen Beetle?
GEICO provides the most affordable auto insurance for Volkswagen Beetle owners at $83 monthly for minimum coverage. Full coverage through GEICO averages $179 per month, making it the best value across all model years.
Are Volkswagen Beetles expensive to insure?
No, Volkswagen Beetle insurance is not expensive compared to most vehicles. Among convertibles specifically, this model ranks 10th out of 35 for affordability, placing it in the upper tier for cost within its category.
What factors affect insurance costs for Volkswagen Beetles?
Multiple factors affect Volkswagen Beetle insurance costs. The iconic design makes Beetles attractive to thieves, driving up rates. Unique parts lead to expensive repairs, while lower safety ratings concern insurers. Your driving record, credit score, and coverage selections also impact your premium costs.
How can I lower Volkswagen Beetle insurance costs?
Compare quotes from multiple insurers since Volkswagen Beetle pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same provider and maintain a clean driving record to secure better rates.
How We Determined Volkswagen Beetle Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Volkswagen Beetle insurance costs.
Who We Based These Rates On
These Volkswagen Beetle prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.