Updated: October 25, 2024
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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.
Car Insurance CostsVW BeetleTable of Contents
Why Trust MoneyGeek? These rates were updated to reflect the average cost of car insurance for a VW Beetle as of 2023.
These rates were updated to reflect the average cost of car insurance for a VW Beetle as of 2023.
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.
| State Farm | $1,096 |
| GEICO | $1,229 |
| Travelers | $1,313 |
| Nationwide | $1,401 |
| Progressive | $1,485 |
| Farmers | $1,493 |
| Allstate | $1,495 |
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 is the overall best provider, offering tremendous value with its affordability and excellent customer service ratings.
The cheapest provider for your VW Beetle
High customer satisfaction rating
Offers Roadside Assistance and Rental Car and Travel Reimbursement
Limited coverage options and low claims handling score
Does not offer Gap Insurance, Deductible Modification, or New Car Replacement
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.
Offers affordable coverage for your VW Beetle
High customer satisfaction rating
Offers Accident Forgiveness and Rental Car and Travel Reimbursement
Below-average claims rating
No Gap Insurance, Deductible Modification, or New Car Replacement
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.
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.
| 2019 | $1,420 |
| 2018 | $1,388 |
| 2017 | $1,356 |
| 2016 | $1,341 |
| 2015 | $1,299 |
| 2014 | $1,303 |
| 2013 | $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.
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.
| State Farm | $3,731 |
| Travelers | $5,562 |
| Nationwide | $5,703 |
| GEICO | $6,142 |
| Allstate | $7,864 |
| Farmers | $7,970 |
| Progressive | $8,517 |
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.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Concerns about affordability and quality often arise when you’re shopping for VW Beetle insurance. Here are our responses to your most common questions.
According to MoneyGeek’s research, State Farm offers the cheapest average car insurance policy for a VW Beetle, with a full coverage plan costing around $1,096 per year. Compare this rate to the overall average cost of VW Beetle insurance at $1,376 annually.
MoneyGeek chose State Farm as the best auto insurance provider for a VW Beetle due to its high customer satisfaction and affordability ratings. It outperformed six other major insurance providers with a MoneyGeek score of 90 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.
