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

According to MoneyGeek, the average cost of insuring a VW Beetle is $1,261 per year. The national average is $1,427, making the VW Beetle $166 per year cheaper to cover. This means the model is relatively inexpensive compared to other models. However, your rates may be higher or lower than average for car insurance based on your insurer and the model year.

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When it comes to purchasing car insurance, it pays to shop around since different insurance companies charge different rates for the same car model. Comparing VW Beetle insurance quotes between providers based on your model year ensures that you get the lowest rates.

Key Takeaways

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The average insurance for a VW Beetle costs $1,261 per year, compared to the average for all models of $1,427 per year.

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Depending on the insurance provider you choose, the cost of insuring a VW Beetle can vary by as much as $712 per year.

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Insurance costs for a VW Beetle can differ by a maximum of $435 annually, depending on the model year. Older models generally have lower rates.

How Much It Costs to Insure a VW Beetle and the Cheapest Company

The insurance company you get VW Beetle car insurance from can influence your rates considerably. On average, drivers of this car model pay $1,261 per year. However, this cost may be higher or lower depending on your insurer.

The cheapest car insurance provider for the VW Beetle is Progressive, at $1,012 per year. The difference in cost between Progressive and the most expensive company is $712.

The Average Annual Cost of VW Beetle Insurance by Company

MoneyGeek calculated the average rates using a sample driver profile. The costs in this scenario represent a comprehensive and collision insurance policy that includes 100/300/100 liability coverage.

The Average Cost to Insure a VW Beetle by Company

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Is a VW Beetle Expensive to Insure?

Insurance companies calculate car insurance rates for each model based on various factors. Models with high value, high repair costs and an increased likelihood of theft report higher insurance rates.

Fortunately, the VW Beetle is inexpensive to insure due to its low value and low horsepower. Insurers charge less to insure cars with low values because it costs less to repair them. Additionally, models with low horsepower are less likely to get into serious accidents, making them cheaper to insure.

The Best Car Insurance Company for a VW Beetle

When comparing VW Beetle car insurance rates, you will want to consider factors beyond the cost. MoneyGeek’s compiled scores for insurance companies based on factors like customer satisfaction, affordability, financial stability and customer complaints.

According to MoneyGeek’s research:

  • USAA is the best car insurance provider for VW Beetle drivers, but its policies are only offered to former and current military members as well as their families.
  • The second-best insurer for the model is Progressive.

1
USAA
Score:98

4.9/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
Progressive
Score:90

5/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

3
GEICO
Score:87

4.7/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

4
State Farm
Score:83

4.3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a VW Beetle by Model Year

Comprehensive and collision insurance costs for each car model go down as the value of the car depreciates. For example, the average cost of insurance for a 2005 VW Beetle is $976 per year, while a 2020 model costs $1,411.

Car insurance rates also vary between providers depending on the model year. The cheapest insurer for a 2020 VW Beetle is USAA, with a cost of $1,170 per year.

You can choose your model year below to compare rates from different companies.

The Average Cost to Insure a VW Beetle by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,217
    $1,111
    $1,071
    $1,052
    $1,031
    $901
    $696
  • 2.
    $1,170
    $1,125
    $1,125
    $1,097
    $1,063
    $898
    $795
  • 3.
    $1,227
    $1,162
    $1,185
    $1,150
    $1,228
    $896
    $810
  • 4.
    $1,425
    $1,350
    $1,328
    $1,311
    $1,229
    $1,046
    $913
  • 5.
    $1,326
    $1,440
    $1,427
    $1,442
    $1,446
    $1,255
    $1,255

How Expensive Is It to Insure a VW Beetle Compared to Other Cars?

The cost of insuring a VW Beetle is $1,261 per year. This is lower than the average rate for most other car models. The average cost of car insurance for other models is $1,427 per year, making the VW Beetle roughly $166 less to insure annually.

How Much It Costs to Insure a VW Beetle for 16- to 25-Year-Olds

Younger drivers tend to pay more for car insurance regardless of the type of car they drive due to their inexperience. On average, an 18-year-old will pay $4,117 per year to insure a VW Beetle. That’s roughly $2,855 more than the average cost for a 40-year-old.

Parents can include their teen drivers on their policy in order to save money. Insurance providers tend to charge higher rates for teens who purchase car insurance coverage independently.

You can find the cost of car insurance for drivers between the age of 16 and 25 below.

The Average Cost to Insure a VW Beetle by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,278
  • 17
    $4,675
  • 18
    $4,117
  • 19
    $2,949
  • 20
    $2,632
  • 21
    $2,083
  • 22
    $1,919
  • 23
    $1,756
  • 24
    $1,648
  • 25
    $1,495
  • 40
    $1,261

How Does Location Affect the Cost of VW Beetle Insurance?

The prices on this page are centered on a national average and may vary based on your location. You can learn more about the average insurance for VW Beetle within your state by using our state page analysis.

FAQs About VW Beetle Insurance

The model year of your car can significantly impact how much you pay for insurance, although this is not the only factor considered by insurance providers. Some frequently asked questions about the VW Beetle are:

Read More About Car Insurance

Methodology

MoneyGeek obtained the average costs for the Volkswagen New Beetle base model by collecting thousands of rates across all the model years using a sample driver. In this case, the driver is a 40-year-old male with a full coverage policy that offers:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

The figures represent estimated average costs and should only offer guidance when comparing prices since they do not represent precise rates for each driver.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.