Volkswagen ID4 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Volkswagen ID4 are $1,740 a year with full coverage. Comprehensive insurance costs around $296 a year, collision costs $582, and liability is estimated at $624. Liability-only insurance costs approximately $710 a year, with high-risk driver insurance costing $3,782 or more. Teen drivers pay the most at $6,792 a year or more.

Average premium for full coverage: $1,740

Premium estimates for type of coverage:

Comprehensive $296
Collision $582
Liability $624

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes 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 average driver, insurance rates for a Volkswagen ID4 go from the low end price of $710 for just liability insurance to a high of $3,782 for a driver required to buy high-risk insurance.

Liability Only $710
Full Coverage $1,740
High Risk $3,782

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $1,305
Small Cities $1,827
Large Cities $2,349

These rate differences demonstrate why it is important to get quotes for a specific zip code, instead of making a decision based on price averages.

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.

More Rate Details

The chart below details estimated Volkswagen ID4 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,017
  • Choosing higher $1,000 deductibles can save about $1,542 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,740
  • Choosing low $100 deductibles for comp and collision coverage will cost an additional $388 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,782 or more
  • An auto insurance policy that insures a 16-year-old driver can be $6,792 each year

View Chart as Image

Volkswagen ID4 insurance cost comparison chart
Column chart showing full coverage Volkswagen ID4 insurance prices range from $1,017 to $6,792

Insurance prices for a Volkswagen ID4 also have a wide range based on the trim level of your ID4, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $2,100 to $2,900 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $6,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volkswagen ID4 insurance prices. A good driver about age 40 could pay as low as $1,250 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,350 on average in Florida, Michigan, and New York.

Volkswagen ID4 Insurance Rates by State
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%

View Chart as Image

Volkswagen ID4 insurance rates by U.S. city

Choosing high deductibles can save as much as $590 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $561 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and prices will be substantially different.

Volkswagen ID4 Insurance Rates by Model Year
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 Find Cheap Volkswagen ID4 Insurance

Finding better rates on insurance for a Volkswagen ID4 takes being a low-risk driver, having a good credit score, being claim-free, and taking advantage of discounts. Shop around at every policy renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the data touched on above.

  • Insureds who may need more liability coverage will pay about $690 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save up to $200 per year simply by quoting early and online
  • Increasing policy deductibles can save approximately $575 each year
  • Teen drivers are charged the highest prices, possibly costing $566 per month if comprehensive and collision insurance is included

Rates by Driver Age

Volkswagen ID4 Insurance 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

Volkswagen ID4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,128
$250 $1,948
$500 $1,740
$1,000 $1,542

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen ID4 Insurance Rates with Different Liability Limits
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

Volkswagen ID4 Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $1,017

Discounts are estimated and may not be available from every company or in every state.

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