VW Beetle Insurance Cost

The annual full coverage insurance for a VW Beetle ranges from $1,038 to $6,030. How much it costs depends on the car's model year, driver's age, location, driving history, coverage level and insurer.

A VW Beetle's full coverage insurance averages $114 per month or $1,371 annually. This is based on a 40-year-old male with a clean driving record. Minimum coverage costs roughly $49 per month or $582 per year.

VW Beetle insurance costs are from $1,081 to $2,214 annually. These differ depending on age, model year and coverage level.

Read more: Best Car Insurance Companies

The year your VW Beetle was produced impacts your insurance, with older models costing less. For instance, a 2019 Beetle's full coverage rate is $1,514 compared to $1,276 for a 2013 model.

Your age as a driver influences insurance rates. For example, 40-year-olds pay an average of $1,383 annually for full coverage, while 16-year-olds pay around $6,030.

Several factors influence a driver's car insurance rates.

State Farm offers the cheapest minimum coverage for a VW Beetle at $488 annually, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance by coverage level, age group, driving record and model year.

Choosing the right coverage level greatly affects your VW Beetle insurance rate. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.

For a VW Beetle, State Farm and GEICO offer the cheapest minimum coverage at $41 per month. Travelers, Farmers and Progressive follow, with competitive rates ranging from $48 to $53.

*State Farm offers non-military-affiliated VW Beetle owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.

The above list doesn't consider the production year, so you might find lower rates based on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for every VW Beetle model year.

*USAA is available only to military veterans, active service members and their families.

State Farm offers the cheapest full coverage for a VW Beetle at $1,096 annually or $91 monthly. Below is the complete list of full coverage insurance providers and rates.

*On average, State Farm is the cheapest insurer for non-military-affiliated VW Beetle owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.

Younger drivers aged 16 to 25 and seniors aged 55 and up often pay more for VW Beetle insurance than the average driver. Below is the breakdown of the cheapest options by age group.

For VW Beetle drivers aged 16 to 25, State Farm offers the cheapest insurance at $89 monthly or $1,071 yearly for minimum coverage. Below is the full list of affordable auto insurance for young VW Beetle drivers.

*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.

State Farm offers the cheapest car insurance for seniors aged 55 and up at $45 monthly or $537 annually. See the full list of cheap VW Beetle insurers below.

*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.

State Farm, GEICO and Travelers offer VW Beetle drivers the most affordable car insurance after an accident. See the complete list below.

*State Farm provides the lowest rates for non-military-affiliated, at-fault VW Beetle drivers. USAA is the most affordable option for military-affiliated drivers.

You can find the cheapest car insurance by looking at rates from different insurance companies.

Below are some frequently asked questions about the costs of insuring a VW Beetle.

VW Beetle owners need accurate insurance cost estimates before buying or budgeting for this iconic compact car, since premiums vary based on your model year, driving profile, and coverage choices. We built this analysis to show you what you'll actually pay for Beetle insurance across different situations.

We analyzed 2,092 VW Beetle insurance quotes from Quadrant Information Services, covering model years from 2012 through 2022. This dataset ensures our findings reflect real-world pricing for both older used Beetles and the final production years of this classic model.

We used a sample driver profile with a 40-year-old male, a clean driving record, and 12,000 miles driven annually as our baseline. We also modified this profile to determine insurance rates for different age groups, driving records, and model years, showing how each factor independently affects your premiums.

If data on specific model years weren't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the exact rate you'll receive for your VW Beetle, since your individual circumstances will vary.

Each state differs in minimum coverage requirements, so our minimum coverage rates represent a combination of state minimums where we gathered data. Our full coverage analysis includes comprehensive and collision coverage with a $1,000 deductible plus increased liability limits: $100,000 bodily injury liability per person, $300,000 per accident, and $100,000 property damage liability.

This methodology helps you understand what Beetle insurance typically costs and how your specific model year, age, and driving record affect premiums. The Beetle's compact size and safety features generally result in moderate insurance costs compared to larger vehicles, though theft rates for certain model years and specialized parts for the final editions can impact comprehensive coverage pricing. Our analysis shows you these trade-offs so you can budget accurately whether you're shopping for a used 2015 Beetle or one of the final 2019 models.