Compare the Cost of VW Beetle Insurance by Model Year and Company


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ByMark Fitzpatrick
Edited byCasie McCoskey
ByMark Fitzpatrick
Edited byCasie McCoskey

Updated: May 20, 2024

Advertising & Editorial Disclosure

The driver's age and the car’s model year are some of the most critical elements in the cost of auto insurance for a VW Beetle. A full coverage policy on a 2013 Beetle costs an average of $5,758 yearly for a 16-year-old driver but only $1,262 for 40-year-olds. For a 2019 model, a 16-year-old will pay $6,423 per year, while a 40-year-old pays about $1,420 annually.

MoneyGeek compared the best insurance providers for a VW Beetle based on price, customer service ratings and claims experience.

MoneyGeek Logo IconCar Insurance CostsVW Beetle
2024

Why Trust MoneyGeek? These rates were updated to reflect the average cost of car insurance for a VW Beetle as of 2023.

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These rates were updated to reflect the average cost of car insurance for a VW Beetle as of 2023.

10Companies Compared
 
20,916Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a VW Beetle

Full coverage insurance for a VW Beetle typically costs $1,376 annually, but these rates can vary depending on your provider.

State Farm provides the cheapest car insurance for a VW Beetle at an average of $1,096 per year for a full coverage policy, while Allstate has the most expensive at $1,495. If you only need basic coverage, State Farm's minimum coverage insurance policy is the cheapest, at $488 per year on average. Progressive's policy is the most expensive, at $694 per year.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,096
GEICOAverage Annual Premium$1,229
TravelersAverage Annual Premium$1,313
NationwideAverage Annual Premium$1,401
ProgressiveAverage Annual Premium$1,485
FarmersAverage Annual Premium$1,493
AllstateAverage Annual Premium$1,495

Is a VW Beetle Expensive to Insure?

Several factors, including horsepower, theft rate and overall value, determine the prices insurance companies charge for your VW Beetle. Due to the VW Beetle's low horsepower and low MSRP (Manufacturer's Suggested Retail Price) of $20,164, its insurance premiums are significantly more affordable than other cars.

Best Companies for Insuring a VW Beetle

You should look beyond the costs when shopping around for VW Beetle insurance. MoneyGeek's car insurance ratings consider claims handling, customer service and affordability.

We determined that the following companies are the best insurers for the VW Beetle:

  • State Farm: MoneyGeek score 90 out of 100 ($1,096 per year)
  • GEICO: MoneyGeek score 86 out of 100 ($1,229 per year)

State Farm is the overall best provider, offering tremendous value with its affordability and excellent customer service ratings.

MoneyGeek Top Pick: State Farm

State Farm

pros

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The cheapest provider for your VW Beetle

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High customer satisfaction rating

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Offers Roadside Assistance and Rental Car and Travel Reimbursement

cons

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Limited coverage options and low claims handling score

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Does not offer Gap Insurance, Deductible Modification, or New Car Replacement

COMPANY HIGHLIGHTS

State Farm is the best insurance company for owners of VW Beetles. It ranked first in affordability and second in customer satisfaction, meaning you’ll get great value from your insurance premiums.

Many Volkswagen Beetle owners will find State Farm's Roadside Assistance helpful. It provides 24-hour mechanical assistance, towing, fuel and battery deliveries, tire replacements and other services. Another valuable coverage is State Farm’s Rental Car and Travel Reimbursement. It reimburses rental car costs up to your policy limits, travel expenses (meals, lodging and transportation) up to $500 and deductibles up to $500 if you get into a covered accident while driving a rental car.

State Farm also offers some discounts which may help you save money, including discounts on bundling policies and a discount for your vehicle’s anti-lock brake system.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Offers affordable coverage for your VW Beetle

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High customer satisfaction rating

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Offers Accident Forgiveness and Rental Car and Travel Reimbursement

cons

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Below-average claims rating

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No Gap Insurance, Deductible Modification, or New Car Replacement

COMPANY HIGHLIGHTS

While GEICO lacks some valuable coverage options for insuring the VW Beetle, its high scores in affordability and customer satisfaction make this provider MoneyGeek’s runner-up pick. It also offers some coverage options that will benefit most VW Beetle drivers.

Its Rental Car and Travel Reimbursement will cover a rental car if your vehicle is made undrivable for more than 24 hours due to a covered accident, allowing you to get right back on the road.

GEICO's Accident Forgiveness can be earned or purchased but is unavailable in California, Connecticut, and Massachusetts. With Accident Forgiveness, your insurance rate won't increase after your first at-fault collision. Only drivers over 21 are eligible for this coverage, and you must have a history of five years or more of accident-free driving.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a VW Beetle by Model Year

The average cost of auto insurance for a 2013 VW Beetle with a full coverage policy is $1,262 per year, while the average rate for a 2022 model is $1,420. Older VW Beetles typically have lower insurance rates. This difference is due to the depreciation of the vehicle with age.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2019Average Annual Premium$1,420
2018Average Annual Premium$1,388
2017Average Annual Premium$1,356
2016Average Annual Premium$1,341
2015Average Annual Premium$1,299
2014Average Annual Premium$1,303
2013Average Annual Premium$1,262

Average insurance rates for your VW Beetle may vary based on the car's model year and your provider. State Farm offers the cheapest yearly rate at an average of $1,161 for full coverage on the newest 2019 VW Beetle. This company is also the most affordable provider for a 2013 model at around $1,050 annually.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Age:
Age:40
Coverage:
Coverage:Full Coverage

Cost of Insuring a VW Beetle for 16- to 25-Year-Olds

Regardless of the type of car they drive, teenagers and young adults pay much more for auto insurance than drivers in their 30s and 40s because of their lack of driving experience.

Full coverage insurance for a 16-year-old driving a VW Beetle will cost around $6,081 annually. On the other hand, the average cost for a 40-year-old driver is only $1,338. Teen car insurance premiums dramatically decrease as they age, typically stabilizing in their early 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$6,081
17Average Annual Premium$4,949
18Average Annual Premium$4,345
19Average Annual Premium$3,035
20Average Annual Premium$2,749
21Average Annual Premium$2,120
22Average Annual Premium$1,963
23Average Annual Premium$1,824
24Average Annual Premium$1,731
25Average Annual Premium$1,563

Keeping teens on their parent’s insurance policy helps keep premiums low. Insurance premiums for teens on individual policies are usually much higher. For a 16-year-old driving a 2019 VW Beetle, State Farm offers the lowest average price for a full coverage policy at $3,731 yearly, while Progressive has the highest rate at $8,517 annually.

MoneyGeek recommends that teens shop for car insurance with their families for the most affordable policies on their VW Beetle.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2019
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$3,731
TravelersAverage Annual Premium$5,562
NationwideAverage Annual Premium$5,703
GEICOAverage Annual Premium$6,142
AllstateAverage Annual Premium$7,864
FarmersAverage Annual Premium$7,970
ProgressiveAverage Annual Premium$8,517

How Does Location Affect the Cost of VW Beetle Insurance?

Your location can significantly impact the cost of insuring your VW Beetle, potentially more than your age or your car’s model year. For instance, Idaho has the cheapest average vehicle insurance rates, while Florida has the highest. Find the lowest average premiums for your VW Beetle by shopping around and comparing policies between the most affordable providers in your area.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About VW Beetle Insurance

Concerns about affordability and quality often arise when you’re shopping for VW Beetle insurance. Here are our responses to your most common questions.

What company has the cheapest car insurance for a VW Beetle?
What company offers the best car insurance for a VW Beetle?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.