Volkswagen ID4 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Volkswagen ID4 are $1,740 annually with full coverage. Comprehensive costs an estimated $296 a year, collision costs $582, and liability insurance is estimated at $624. Liability-only insurance costs approximately $710 a year, with high-risk driver insurance costing around $3,782. Teenage drivers pay the most at $6,792 a year or more.
Average premium for full coverage: $1,740
Premium estimates broken down by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and ID4 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volkswagen ID4 go from as cheap as $710 for basic liability insurance to a high of $3,782 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities.
The diagram below illustrates how geographic area affects insurance prices.
These rate differences demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details estimated Volkswagen ID4 insurance rates for other coverage scenarios.
- The best discount rate is $1,017
- Choosing higher $1,000 deductibles can save approximately $1,542 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,740
- Using low $100 deductibles for comp and collision coverage will cost $2,128
- High-risk insureds who are prone to accidents and violations could pay up to $3,782 or more
- An auto insurance policy with full coverage for a teen driver can cost as much as $6,792 each year
Insurance prices for a Volkswagen ID4 also have a wide range based on the model of your ID4, your driving record, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $6,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $2,100 to $2,900 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $590 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $561 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Volkswagen ID4 insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,350 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,574 | -$166 | -9.5% |
| Alaska | $1,334 | -$406 | -23.3% |
| Arizona | $1,442 | -$298 | -17.1% |
| Arkansas | $1,740 | -$0 | 0.0% |
| California | $1,984 | $244 | 14.0% |
| Colorado | $1,662 | -$78 | -4.5% |
| Connecticut | $1,788 | $48 | 2.8% |
| Delaware | $1,970 | $230 | 13.2% |
| Florida | $2,174 | $434 | 24.9% |
| Georgia | $1,608 | -$132 | -7.6% |
| Hawaii | $1,248 | -$492 | -28.3% |
| Idaho | $1,178 | -$562 | -32.3% |
| Illinois | $1,298 | -$442 | -25.4% |
| Indiana | $1,312 | -$428 | -24.6% |
| Iowa | $1,176 | -$564 | -32.4% |
| Kansas | $1,652 | -$88 | -5.1% |
| Kentucky | $2,374 | $634 | 36.4% |
| Louisiana | $2,578 | $838 | 48.2% |
| Maine | $1,074 | -$666 | -38.3% |
| Maryland | $1,436 | -$304 | -17.5% |
| Massachusetts | $1,388 | -$352 | -20.2% |
| Michigan | $3,020 | $1,280 | 73.6% |
| Minnesota | $1,456 | -$284 | -16.3% |
| Mississippi | $2,082 | $342 | 19.7% |
| Missouri | $1,546 | -$194 | -11.1% |
| Montana | $1,868 | $128 | 7.4% |
| Nebraska | $1,372 | -$368 | -21.1% |
| Nevada | $2,086 | $346 | 19.9% |
| New Hampshire | $1,254 | -$486 | -27.9% |
| New Jersey | $1,946 | $206 | 11.8% |
| New Mexico | $1,542 | -$198 | -11.4% |
| New York | $1,834 | $94 | 5.4% |
| North Carolina | $1,002 | -$738 | -42.4% |
| North Dakota | $1,422 | -$318 | -18.3% |
| Ohio | $1,200 | -$540 | -31.0% |
| Oklahoma | $1,784 | $44 | 2.5% |
| Oregon | $1,594 | -$146 | -8.4% |
| Pennsylvania | $1,660 | -$80 | -4.6% |
| Rhode Island | $2,322 | $582 | 33.4% |
| South Carolina | $1,576 | -$164 | -9.4% |
| South Dakota | $1,468 | -$272 | -15.6% |
| Tennessee | $1,522 | -$218 | -12.5% |
| Texas | $2,094 | $354 | 20.3% |
| Utah | $1,288 | -$452 | -26.0% |
| Vermont | $1,190 | -$550 | -31.6% |
| Virginia | $1,042 | -$698 | -40.1% |
| Washington | $1,342 | -$398 | -22.9% |
| West Virginia | $1,596 | -$144 | -8.3% |
| Wisconsin | $1,206 | -$534 | -30.7% |
| Wyoming | $1,550 | -$190 | -10.9% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $320 | $600 | $584 | $1,742 |
| 2023 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2022 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
| 2021 Volkswagen ID4 | $286 | $558 | $644 | $1,726 |
Rates are averaged for all Volkswagen ID4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Volkswagen ID4 Insurance
Finding better rates on Volkswagen ID4 insurance takes avoiding accidents and violations, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.
The list below is a brief review of the ideas that were presented in the illustrations above.
- Teenagers are expensive to insure, possibly costing $566 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $2,040 more annually for car insurance
- Increasing policy deductibles could save up to $575 each year
- You may be able to save approximately $200 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,792 |
| 20 | $4,052 |
| 30 | $1,796 |
| 40 | $1,740 |
| 50 | $1,596 |
| 60 | $1,566 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,128 |
| $250 | $1,948 |
| $500 | $1,740 |
| $1,000 | $1,542 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,740 |
| 50/100 | $1,865 |
| 100/300 | $2,021 |
| 250/500 | $2,426 |
| 100 CSL | $1,927 |
| 300 CSL | $2,270 |
| 500 CSL | $2,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,642 |
| 20 | $6,454 |
| 30 | $3,840 |
| 40 | $3,782 |
| 50 | $3,612 |
| 60 | $3,580 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $90 |
| Multi-vehicle | $94 |
| Homeowner | $28 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $74 |
| Advance Quote | $84 |
| Online Quote | $120 |
| Total Discounts | $723 |
Discounts are estimated and may not be available from every company or in every state.
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