Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a used Volkswagen Beetle? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Volkswagen Beetle insurance facts

  • Average full coverage auto insurance premium: $96/month

  • Most affordable companies: GEICO ($72/month) & Progressive ($75/month)

  • Beetle car insurance cost vs. average rate: $46 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volkswagen Beetle by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Volkswagen Beetle insurer costs by state:

Risk factors affecting Volkswagen Beetle car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Volkswagen Beetle car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volkswagen models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volkswagen Automobile Brand

Volkswagen Group is the world’s largest automobile manufacturer overtaking Toyota, selling nearly 12 million vehicles worldwide and in the United States market. The target market of Volkswagen is urban and suburban consumers from 24 to 50 years old. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Tiguan, Beetle, Jetta, and Passat are some of their most popular vehicles.

Higher than average Beetle repair costs equal higher coverage rates

Many consumers are attracted to the Volkswagen cars for the performance, safety ratings, and driver-assist technologies, such as the forward-collision warning system. Automotive parts are pretty common, but not a cheap as popular vehicles, like Toyota or Honda. Repairing a Volkswagen is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volkswagen’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Volkswagen Beetle affecting auto policies

Volkswagens are one of the fastest depreciating automobiles in the U.S. market, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volkswagen models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Volkswagen’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (Attentiveness Monitoring), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volkswagen models. The Tiguan, Golf GTI, and Jetta are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Volkswagen top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Volkswagen automobile owners when buying a car insurance policy.

2019 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1790
Allstate$1428
American Family$1176
Amica$1863
Country Financial$1526
Erie$990
GEICO$865
Kentucky Farm Bureau$1649
Liberty Mutual$1065
Mercury$1268
MetLife$1820
Nationwide$1090
Progressive$889
State Farm$936
Tennessee Farmers$1210
Texas Farm Bureau$1133
The Hanover$1722
Travelers$1439
USAA$900

Compare all 2019 Volkswagen Beetle rates

Average Cost to Insure Per Year

$1154

List Price

$20895

Trims Available

1.8T S - 1.8T Classic - #PinkBeetle - 1.8T SE - 1.8T Dune - 1.8T SEL - R-Line SEL with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2018 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1655
Allstate$1351
American Family$1132
Amica$1569
Country Financial$1412
Erie$987
GEICO$826
Kentucky Farm Bureau$1436
Liberty Mutual$1033
Mercury$1236
MetLife$1477
Nationwide$1054
Progressive$848
State Farm$926
Tennessee Farmers$1181
Texas Farm Bureau$1090
The Hanover$1426
Travelers$1375

Compare all 2018 Volkswagen Beetle rates

Average Cost to Insure Per Year

$1140

List Price

$20200

Trims Available

1.8T S - 1.8T Classic - #PinkBeetle - 1.8T SE - 1.8T Dune - 1.8T SEL - R-Line SEL with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2017 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1177
Allied$ 1177
American Family$ 1218
American Family$ 1218
Erie$ 875
Erie$ 875
GEICO$ 818
GEICO$ 818
Nationwide$ 1208
Nationwide$ 1208
Plymouth Rock Insurance$ 1111
Plymouth Rock Insurance$ 1111
Progressive$ 883
Progressive$ 883
State Farm$ 1011
State Farm$ 1011
Tennessee Farmers$ 1198
Tennessee Farmers$ 1198
Texas Farm Bureau$ 922
Texas Farm Bureau$ 922
USAA$ 956
USAA$ 956
Vermont Mutual$ 1124
Vermont Mutual$ 1124

Compare all 2017 Volkswagen Beetle rates

Average Cost to Insure Per Year

$ 1134

List Price

$ 19995

Trims Available

1.8T S - 1.8T Classic - #PinkBeetle - 1.8T SE - 1.8T Dune - 1.8T SEL - R-Line SEL

2016 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1157
Allied$ 1157
American Family$ 1006
American Family$ 1006
Erie$ 712
Erie$ 712
Farmers$ 1139
Farmers$ 1139
GEICO$ 617
GEICO$ 617
Nationwide$ 1018
Nationwide$ 1018
Plymouth Rock Insurance$ 1082
Plymouth Rock Insurance$ 1082
Progressive$ 674
Progressive$ 674
State Farm$ 748
State Farm$ 748
Tennessee Farmers$ 1102
Tennessee Farmers$ 1102
Texas Farm Bureau$ 1014
Texas Farm Bureau$ 1014
USAA$ 751
USAA$ 751

Compare all 2016 Volkswagen Beetle rates

Average Cost to Insure Per Year

$ 932

List Price

$ 18995

Trims Available

1.8T Fleet Edition - 1.8T Fleet Edition PZEV - TDI SE - TDI SEL - 1.8T Wolfsburg Edition PZEV - 1.8T S - 1.8T S PZEV - 1.8T Classic PZEV - 1.8T SE - 1.8T SE PZEV - 1.8T Dune - 1.8T Dune PZEV - 1.8T SEL - 1.8T SEL PZEV - 1.8T Denim - 1.8T Denim PZEV - R-Line SE - R-Line SE PZEV - R-Line S - R-Line S PZEV - R-Line SEL - R-Line SEL PZEV

2015 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 962
American Family$ 962
Country$ 1073
Country$ 1073
Erie$ 639
Erie$ 639
Farmers$ 1021
Farmers$ 1021
GEICO$ 554
GEICO$ 554
Nationwide$ 992
Nationwide$ 992
Plymouth Rock Insurance$ 1032
Plymouth Rock Insurance$ 1032
Progressive$ 609
Progressive$ 609
State Farm$ 660
State Farm$ 660
Tennessee Farmers$ 994
Tennessee Farmers$ 994
Texas Farm Bureau$ 989
Texas Farm Bureau$ 989
USAA$ 678
USAA$ 678

Compare all 2015 Volkswagen Beetle rates

Average Cost to Insure Per Year

$ 858

List Price

$ 18995

Trims Available

1.8T Entry - 1.8T Entry PZEV - 1.8T Classic PZEV - 1.8T - 1.8T PZEV - TDI - R-Line - R-Line PZEV

2014 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 924
American Family$ 924
Erie$ 641
Erie$ 641
Farmers$ 1011
Farmers$ 1011
GEICO$ 532
GEICO$ 532
Nationwide$ 1017
Nationwide$ 1017
Plymouth Rock Insurance$ 1003
Plymouth Rock Insurance$ 1003
Progressive$ 609
Progressive$ 609
State Farm$ 668
State Farm$ 668
Tennessee Farmers$ 991
Tennessee Farmers$ 991
Texas Farm Bureau$ 966
Texas Farm Bureau$ 966
USAA$ 650
USAA$ 650
Vermont Mutual$ 1054
Vermont Mutual$ 1054

Compare all 2014 Volkswagen Beetle rates

Average Cost to Insure Per Year

$ 843

List Price

$ 18995

Trims Available

1.8T Entry - 1.8T Entry PZEV - 2.5L Entry - 2.5L Entry PZEV - 1.8T - 1.8T PZEV - 2.5L - 2.5L PZEV - TDI - R-Line - R-Line PZEV - GSR - GSR PZEV

2013 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 980
Acuity$ 980
American Family$ 867
American Family$ 867
Erie$ 623
Erie$ 623
GEICO$ 502
GEICO$ 502
Nationwide$ 981
Nationwide$ 981
Plymouth Rock Insurance$ 984
Plymouth Rock Insurance$ 984
Progressive$ 616
Progressive$ 616
State Farm$ 650
State Farm$ 650
Tennessee Farmers$ 905
Tennessee Farmers$ 905
Texas Farm Bureau$ 895
Texas Farm Bureau$ 895
USAA$ 625
USAA$ 625
Vermont Mutual$ 939
Vermont Mutual$ 939

Compare all 2013 Volkswagen Beetle rates

Average Cost to Insure Per Year

$ 822

List Price

$ 18995

Trims Available

Turbo - Turbo PZEV - 2.5L Entry - 2.5L Entry PZEV - 2.5L - 2.5L PZEV - TDI - 2.5L Fender Edition - 2.5L PZEV Fender Edition - 2.5L 50s Edition - Turbo Fender Edition - Turbo PZEV Fender Edition - 2.5L 70s Edition - R-Line - R-Line PZEV - Turbo 60s Edition

2012 Volkswagen Beetle

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1004
Acuity$ 1004
American Family$ 878
American Family$ 878
Erie$ 643
Erie$ 643
GEICO$ 535
GEICO$ 535
Nationwide$ 1021
Nationwide$ 1021
Plymouth Rock Insurance$ 953
Plymouth Rock Insurance$ 953
Progressive$ 666
Progressive$ 666
State Farm$ 671
State Farm$ 671
Tennessee Farmers$ 964
Tennessee Farmers$ 964
Texas Farm Bureau$ 936
Texas Farm Bureau$ 936
USAA$ 606
USAA$ 606
Vermont Mutual$ 933
Vermont Mutual$ 933

Compare all 2012 Volkswagen Beetle rates

Average Cost to Insure Per Year

$ 858

List Price

$ 18995

Trims Available

Base - Base PZEV - 2.5L - 2.5L PZEV - Turbo - Turbo PZEV - Black Turbo - Black Turbo PZEV - White Turbo - White Turbo PZEV