Updated: January 15, 2025
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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.
For those seeking affordable insurance for a VW Beetle, the following options stand out based on age and coverage type:
Full Coverage Insurance
- For 16-Year-Old Drivers:
- Cheapest Option: State Farm at $3,731 annually
- Most Expensive: Progressive at $8,517 annually
- For 40-Year-Old Drivers:
- Cheapest Option: State Farm averages $1,050 for a 2013 model and $1,161 for a 2019 model
- Average Cost: Typically around $1,262 to $1,420 depending on the model year
Overall, State Farm emerges as the best provider, offering the most affordable full coverage rates, with an annual premium of $1,096 across different scenarios, coupled with a strong MoneyGeek score of 90/100, reflecting their excellent customer service ratings.
Minimum Coverage Insurance
- Cheapest Provider: State Farm at $488 per year
- Most Expensive Provider: Progressive at $694 per year
When examining affordability, State Farm is the clear leader for both full and minimum coverage. Not only does it offer the most competitive rates, but it also provides a high value due to its outstanding customer satisfaction ratings. This makes it an ideal choice for those prioritizing cost-efficiency without compromising on service quality.
Key Considerations
- Age and Experience: Insurance costs drop significantly as drivers age, typically stabilizing in their early 20s.
- Vehicle’s Model Year: Older models like the 2013 Beetle generally have lower insurance rates compared to newer models like the 2019 version.
- Location Factors: Insurance costs can vary widely based on location, so shopping around within your area can help find the best rates.
In summary, for the most affordable VW Beetle insurance, State Farm offers the best balance of price and service for both young and older drivers across different levels of coverage.
The best car insurance provider for a VW Beetle, based on MoneyGeek's analysis, is State Farm. They offer an excellent balance of affordability and customer service, earning a MoneyGeek score of 90 out of 100. For a full coverage policy, State Farm provides the most competitive rates, with an average annual premium of $1,096.
Here's a breakdown for different scenarios:
- For a 2013 VW Beetle, State Farm offers the most affordable full coverage insurance at approximately $1,050 per year.
- For a 2019 VW Beetle, the rate with State Farm averages $1,161 annually, maintaining its position as the cheapest provider.
For younger drivers, particularly a 16-year-old with a VW Beetle, State Farm again provides the best rate for full coverage at $3,731 annually for a 2019 model, which is substantially lower compared to other providers.
Overall, State Farm’s combination of low premiums and high customer satisfaction makes it the best choice for VW Beetle drivers seeking insurance.
Age significantly impacts car insurance premiums due to different risk profiles associated with various age groups. Younger drivers, particularly teenagers, tend to have higher premiums primarily because of their inexperience behind the wheel and statistically higher likelihood of accidents. Conversely, more experienced drivers, such as those in their 40s, tend to enjoy significantly lower insurance rates due to a perceived lower risk.
Insurance Costs for a VW Beetle:
- 16-Year-Old Driver:
- For a 2013 VW Beetle, a 16-year-old driver pays approximately $5,758 annually for full coverage.
- For a 2019 VW Beetle, the same 16-year-old would pay about $6,423 each year.
- 40-Year-Old Driver:
- A 40-year-old pays considerably less, at about $1,262 per year for a 2013 model.
- For a 2019 VW Beetle, the annual cost rises slightly to $1,420.
Factors Influencing Insurance Rates:
1. Age of Driver:
- As young drivers lack experience, they are seen as high-risk, leading to higher premiums.
- Drivers in their 30s and 40s generally benefit from lower premiums as their risk levels decrease with age and experience.
- Teen insurance premiums see a considerable drop as drivers gain more on-road experience, often stabilizing in their 20s.
2. Model Year of Vehicle:
- Older models typically attract lower insurance costs due to depreciation.
- For instance, a 2013 model has an average rate of $1,262, whereas a 2022 model is around $1,420 per year.
3. Insurance Providers:
- Rates vary by provider; for instance, State Farm generally offers competitive rates:
- For a 2019 VW Beetle, they offer $1,161 yearly for full coverage.
- For teenagers, State Farm provides the most reasonable rate for a 2019 model at $3,731 yearly, in comparison to Progressive's $8,517.
Conclusion:
While age plays a pivotal role in determining insurance premiums, vehicle model year and choice of insurance provider are also influential. For youthful drivers, keeping premiums in check can often be achieved by adding them to a parent’s policy. Meanwhile, experienced drivers continue to benefit from lower premiums due to their more stable risk profile. To find the best insurance rates for your VW Beetle, it is advantageous to shop around, considering both the pricing and service reputation of each provider.
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 resident Personal Finance Expert. 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's also a 5-time Jeopardy champion!
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.
