The annual full coverage insurance for a VW Beetle ranges from $1,038 to $6,030. Rates vary greatly based on the car's model year, driver's age, location, driving history, coverage level and insurer. MoneyGeek breaks down the VW Beetle's insurance costs, highlighting the best and affordable providers.
VW Beetle Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm offers the most affordable annual rates for minimum coverage across all VW Beetle model years, averaging $488.
The VW Beetle's average insurance cost is $582 annually for minimum coverage and $1,371 for full coverage.
MoneyGeek analyzed 2,092 VW Beetle insurance quotes from Quadrant Information Services, ensuring comprehensive and reliable insights.
VW Beetle Insurance Rates
What Is the Average VW Beetle Car Insurance Cost?
A VW Beetle's full coverage insurance averages $114 per month or $1,371 annually, based on a 40-year-old male with a clean driving record. Minimum coverage costs roughly $49 per month or $582 per year.
| Minimum Coverage | $582 |
| Full Coverage | $1,371 |
VW Beetle Insurance Costs by Company
VW Beetle insurance costs range from $1,081 to $2,214 annually, varying by age, model year and coverage level. Below, a table compares average VW Beetle insurance rates with averages for all vehicles from several national and midsize providers.
| Allstate | $1,582 | $1,811 | -13% |
| Auto-Owners | $1,219 | $1,226 | -1% |
| Farmers | $1,584 | $1,956 | -19% |
| GEICO | $1,267 | $1,332 | -5% |
| Kemper | $2,214 | $2,210 | 0% |
| Nationwide | $1,492 | $1,588 | -6% |
| Progressive | $1,551 | $1,743 | -11% |
| State Farm | $1,137 | $1,269 | -10% |
| Travelers | $1,349 | $1,521 | -11% |
| USAA | $1,081 | $1,199 | -10% |
Read more: Best Car Insurance Companies
Cost of Insuring a VW Beetle by Model Year
The year your VW Beetle was produced impacts your insurance rates, with older models generally costing less. For instance, a 2019 Beetle's full coverage rate is $1,514 compared to $1,276 for a 2013 model. Below are the average full and minimum coverage rates for every production year.
| 2019 | $596 | $1,514 |
| 2018 | $599 | $1,456 |
| 2017 | $600 | $1,397 |
| 2016 | $597 | $1,378 |
| 2015 | $571 | $1,326 |
| 2014 | $595 | $1,336 |
| 2013 | $595 | $1,276 |
VW Beetle Insurance Costs by Driver Age
Insurance rates for VW Beetles vary widely depending on the driver's age. For example, 40-year-olds pay an average of $1,383 annually for full coverage, while 16-year-olds pay around $6,030. Below are the average minimum and full coverage rates for drivers across ages.
| 16 | $2,704 | $6,030 |
| 17 | $2,198 | $4,909 |
| 18 | $1,915 | $4,309 |
| 19 | $1,368 | $3,083 |
| 20 | $1,227 | $2,799 |
| 21 | $973 | $2,263 |
| 22 | $888 | $2,079 |
| 23 | $823 | $1,940 |
| 24 | $779 | $1,845 |
| 25 | $694 | $1,650 |
| 26 | $676 | $1,587 |
| 27 | $659 | $1,551 |
| 28 | $648 | $1,527 |
| 29 | $638 | $1,506 |
| 30 | $616 | $1,453 |
| 35 | $600 | $1,409 |
| 40 | $593 | $1,383 |
| 45 | $588 | $1,367 |
| 50 | $574 | $1,326 |
| 55 | $559 | $1,292 |
| 60 | $559 | $1,289 |
| 65 | $596 | $1,333 |
| 70 | $647 | $1,429 |
| 75 | $719 | $1,567 |
| 80 | $815 | $1,746 |
| 85 | $884 | $1,875 |
| 90 | $933 | $1,962 |
VW Beetle Insurance Rates Explained
Several factors influence a driver's car insurance rates, including their profile. However, insurance providers also consider vehicle-related factors. Below is a breakdown of the key cost factors tied to your vehicle, such as its make, model, age and safety features.
VW Beetle Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296 VW Beetle
Average Full Coverage Rate
$1,371Premiums for VW Beetle are:$75 more
This is 6% more expensive.
Value
The VW Beetle's MSRP is $26,890. While not classified as a luxury car, its price can still impact insurance rates, as higher-priced vehicles often lead to higher premiums.
Repair costs
The VW Beetle's annual repair cost of $612 is below the national average, which can help lower insurance premiums.
Performance
With 174 horsepower, the VW Beetle isn't a high-performance vehicle, potentially resulting in lower insurance costs.
Vehicle age
Newer VW Beetles typically cost more to insure than older models. However, insuring collector and classic vehicles can be very expensive.
Safety features
The VW Beetle has a 5-star NHTSA safety rating, which, along with features like stability control, airbags and antilock brakes, can help lower insurance premiums.
Vehicle size
The VW Beetle's smaller size and curb weight of 3,045 lbs may result in lower insurance costs than larger vehicles, which typically carry higher property damage risks.
Trim level
Higher trim levels of the VW Beetle, with premium upgrades, result in a higher MSRP and typically higher insurance costs than the base model.
Cheapest VW Beetle Insurance
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.
Cheapest VW Beetle Insurance by Coverage Level
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.
Cheapest VW Beetle Minimum Coverage
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.
| USAA | $33 | $400 |
| State Farm | $41 | $488 |
| GEICO | $41 | $497 |
| Travelers | $48 | $581 |
| Farmers | $52 | $629 |
| Progressive | $53 | $641 |
| Nationwide | $57 | $683 |
| Allstate | $57 | $686 |
*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.
Best VW Beetle Insurance Rates by Model Year
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.
Data filtered by:Results filtered by:
Select
Model Year:2013
| Allstate | $698 | $58 |
| Farmers | $644 | $54 |
| GEICO | $505 | $42 |
| Nationwide | $695 | $58 |
| Progressive | $612 | $51 |
| State Farm | $490 | $41 |
| Travelers | $606 | $51 |
| USAA | $383 | $32 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage VW Beetle Insurance
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.
| USAA | $86 | $1,038 |
| State Farm | $91 | $1,096 |
| GEICO | $101 | $1,215 |
| Travelers | $110 | $1,322 |
| Nationwide | $117 | $1,402 |
| Farmers | $122 | $1,461 |
| Progressive | $122 | $1,463 |
| Allstate | $124 | $1,494 |
*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.
Cheapest VW Beetle Insurance by Age
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.
Cheapest VW Beetle Insurance for Young Drivers
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.
| USAA | $68 | $819 |
| State Farm | $89 | $1,071 |
| GEICO | $99 | $1,193 |
| Travelers | $102 | $1,220 |
| Allstate | $134 | $1,610 |
| Farmers | $142 | $1,702 |
| Progressive | $149 | $1,787 |
| Nationwide | $150 | $1,804 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest VW Beetle Insurance for Seniors
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.
| USAA | $44 | $527 |
| State Farm | $45 | $537 |
| GEICO | $50 | $597 |
| Travelers | $58 | $698 |
| Nationwide | $67 | $802 |
| Progressive | $68 | $817 |
| Allstate | $70 | $843 |
| Farmers | $71 | $853 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest VW Beetle Insurance After an Accident
State Farm, GEICO and Travelers offer VW Beetle drivers the most affordable car insurance after an accident. See the complete list below.
| USAA | $50 | $603 |
| State Farm | $51 | $614 |
| GEICO | $65 | $781 |
| Travelers | $69 | $826 |
| Allstate | $78 | $942 |
| Progressive | $86 | $1,033 |
| Nationwide | $88 | $1,056 |
| Farmers | $107 | $1,283 |
*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.
VW Beetle Insurance Cost: Bottom Line
Compare rates from different providers to find the cheapest car insurance. This article explores VW Beetle insurance costs across demographics and highlights the most affordable providers.
VW Beetle Insurance Rates: FAQ
Below are some frequently asked questions about the costs of insuring a VW Beetle.
What company has the cheapest car insurance for a VW Beetle?
State Farm is the cheapest insurance provider for a VW Beetle, with annual minimum coverage rates averaging $488.
What is the average cost of car insurance for a VW Beetle?
The VW Beetle's average annual insurance cost is $582 for minimum coverage and $1,371 for full coverage.
VW Beetle Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,092 VW Beetle insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a VW Beetle:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine VW Beetle insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn'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 rate you'll receive for your VW Beetle.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.