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 insurance...

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UPDATED: Jul 14, 2021

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The expected price of car insurance for a Volkswagen Bug is comparable, especially when you consider the retail price. A 2012 Volkswagen Bug or Beetle as it is commonly known is only $19,795.

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Consumers, who purchase the Beetle, want to stand out from the crowd. This vehicle has a very distinct look and brings back memories of the past. It is stylish, yet functional and always fun to drive. The colors pop and no matter where you drive, heads always turn.

The Cost of Auto Insurance for the 2012 Beetle

The Beetle is very economical and has a number of positive features. Fortunately, the cost of car insurance reflects the manufacturer’s suggested retail price. Most people with good to fair driving records will receive a preliminary quote around $1,147 per year.

This is a decent rate since this vehicle only had eight recorded instances of theft during 2009, according to the theft search by the National Crime Information Center. This is 17 less than the Office of the Federal Register report from 2008 that showed 25 thefts.

Furthermore, the safety statistics for the Beetle are good. The Insurance Information Institute and Euro NCAP, a European-based vehicle assessment company both gave the Beetle high scores.

With so much positive feedback, it makes sense that you can purchase a standard car insurance policy without spending too much each year. When comparing similar models, like the Toyota Prius, Toyota Matrix and Chevy Volt you can see how much money you save, not just in car insurance, but overall maintenance costs too.

The Toyota Prius has a hefty price tag for automobile insurance.

The owner of this vehicle can pay as much as $1,500 each year. The Chevy Volt has an incredible annual car insurance rate of $1,777. Even though the Toyota Matrix is lower than the Volt and Prius, it still costs $217 more per year than the Beetle, coming in at $1,364.

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Average Age Demographic of Volkswagen Bug Owners

Perhaps the reason why the Volkswagen Bug has such low annual car insurance rates has to do with the average age of the person making the purchase. Of course, this does not mean that only specific age groups buy Bugs, they vary just like every other car manufacturer.

However, the average age of the consumer who buys a Volkswagen Bug, is approximately 32-34 years old. It is common knowledge that car insurance rates begin to decrease after the age of 26. Each year after your 26th birthday really helps. This age group represents a certain level of stability.

Most begin to take their careers and family life seriously. They will also have responsible decision-making skills and will not just park their cars anywhere. This makes a huge impact on the way the car insurance industry sets their rates for this particular vehicle. Since the more experience a driver has, the less likely they are to have a car accident.

In addition, when you feel like you have something to lose; you use practical measures to keep your car safe. When you tie these two factors together, it does make a dramatic difference on the way the rates calculate.

It is important to note that although you may not be of the preferred age for car insurance providers, owning a Bug is a great vehicle choice, simply because of the average low cost overall. One of the deciding factors in assigning car insurance rates is the automobile you own. You should remember this when you start shopping around.

Not only is the Bug a cute and perky design, but it can also help save money. Other cars cannot make this claim, but with the Bug, at least you can have a positive outlook.

The Bug Has Great Value

When you purchase the 2012 Volkswagen Bug, you can look forward to very little depreciation. In fact, the car retains value, similar to a Honda Accord. The Honda Accord loses about $3,700 of its initial value during the first year of ownership. After the first drop, it levels out between $1,000 and $2,000 per year.

This is also true with the Bug, which takes a slightly larger hit in value of approximately $4,600. However, after the second year, it only loses around $1,400, while the Honda decreases $2,000. This leaves both cars balanced for the first couple of years. Maybe this is another reason why the car insurance rates are so fair with the Bug.

The Beetle maintains a high level of worth because of the parts and artisanship the carmakers utilize to ensure quality. They use reinforced construction on all of the door panels and installed numbers of safety features to include the driver, passengers, and especially, children.

For such a small vehicle, the Bug really has impeccable options that include a satellite navigation system.

This is unheard of on a car under $20,000.

Suggested Car Insurance Coverage for Volkswagen Beetle Owners

Unless you take out a car loan to purchase your Beetle, you might want to think very carefully before choosing the extra coverage options. This is because the Beetle actually comes with a great warranty package that includes unlimited corrosion protection for the exterior.

Begin with the mandatory levels for your state, which could include liability bodily and property damage protection along with personal injury protection. If you also need uninsured/underinsured motorist coverage, there is no way around these kinds of choices. However, most of these selections have low monthly rates, even with very high limits.

Next, figure the cost of comprehensive coverage, which pays if your car is stolen. Since this is really a non-issue for Beetle owners, you could skip this section of your car insurance application. This is certainly true if you have a garage to utilize.

Collision insurance might be necessary if you drive a distance on a regular basis. Statistics clearly show that additional miles lead to a higher instance of collisions and accidents. If you commute more than 30 miles a day, it may be smart for you to keep this kind of protection. If you take public transportation and only use your vehicle for short drives and errands, you may not need collision.

Because the Beetle also has roadside assistance and maintenance coverage included in the warranty, you can forgo the extra charge for towing. In addition, keeping up with regular oil changes and other recommended vehicle preservation steps will help you from requiring emergency mechanical repairs.

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Limited Recalls for the Volkswagen Bug

Another interesting and positive statistic for the Volkswagen Bug is their limited number of recalls from the manufacturer. Considering this vehicle had a major redesign last year, most would expect a number of problems. However, this is not the case. During 2012, the only recall for the Volkswagen Bug was for the tires, specifically the type that some dealerships installed without knowledge of the manufacturer.

According to the Federal Motor Carrier Safety Administration (FMCSA), all passenger vehicles must have tires that have specific capabilities to conform to the terrain. Some of the 2012 Bug owners purchased their cars with summer tires, instead of all-season. As a result, the tires could face overload and become under inflated. This increases the chance of a blowout or other kind of major accident.

Volkswagen immediately responded to the seriousness of the issue and contacted each customer who made a purchase for specific model types to ensure 100% compliance with the FMCSA. The first round of replacements should begin as early as September of 2012.

Volkswagen Beetle or Bug Sales Numbers

Despite the declining economy, the Beetle continues to set records in new car sales for 2012. In fact, the new statistics show this particular model from Volkswagen has improved greatly. Perhaps the country decided that they need a car with great fuel economy and low-cost car insurance rates. If so, they made the right choice. The numbers do not tell tales, except to speak the truth.

After revealing the new 2011 model in late 2010, interest peaked for the Beetle. This continued all through 2011, when they reported that approximately 10% of Volkswagen’s overall sales were thanks to the lovely, new design.

While this may not seem like a large number, you must consider that over the past few years, only 25 to 30 Beetles left the showroom floor annually.

To date, Volkswagen has sold approximately 1,530 new Beetles, which makes their percentage increase an impressive 504% and the year is not over yet.

The next time you see a Volkswagen Beetle on the road consider the driver and their no-nonsense approach to finance management. It takes a smart and well-informed consumer to know how to balance good looks and value these days.

The cost to insure a Volkswagen Bug is certainly worth the price, especially when you consider all of the advantages you have as a new owner. Between the low sticker price, insurance, and maintenance, your only concern should be what to do with the money you will save.

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