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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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