Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen ID4 are $1,726 annually for full coverage. Comprehensive costs around $286 each year, collision insurance costs $558, and liability is estimated at $644. A liability-only policy costs approximately $726 a year, and high-risk insurance costs around $3,752. Teens cost the most to insure at up to $6,776 a year.
Average premium for full coverage: $1,726
Policy rates for type of insurance:
Includes $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and ID4 models.
Price Range Variability
For a driver in their 40's, Volkswagen ID4 insurance rates range from as cheap as $726 for liability-only coverage to a high rate of $3,752 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.
The examples above show why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Additional Charts and Tables
The chart below shows average Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,011
- Choosing higher $1,000 deductibles can save about $192 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,726
- Selecting low deductibles for comp and collision coverage will cost $2,098
- Higher-risk drivers with serious driving violations could pay at least $3,752
- Policy cost with full coverage for a 16-year-old driver can be $6,776 each year
Car insurance rates for a Volkswagen ID4 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $6,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $2,000 to $2,900 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $579 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volkswagen ID4 insurance prices. A good driver about age 40 could pay as low as $1,140 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,460 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,560 | -$166 | -9.6% |
| Alaska | $1,324 | -$402 | -23.3% |
| Arizona | $1,430 | -$296 | -17.1% |
| Arkansas | $1,726 | -$0 | 0.0% |
| California | $1,968 | $242 | 14.0% |
| Colorado | $1,648 | -$78 | -4.5% |
| Connecticut | $1,772 | $46 | 2.7% |
| Delaware | $1,952 | $226 | 13.1% |
| Florida | $2,156 | $430 | 24.9% |
| Georgia | $1,592 | -$134 | -7.8% |
| Hawaii | $1,238 | -$488 | -28.3% |
| Idaho | $1,170 | -$556 | -32.2% |
| Illinois | $1,288 | -$438 | -25.4% |
| Indiana | $1,302 | -$424 | -24.6% |
| Iowa | $1,166 | -$560 | -32.4% |
| Kansas | $1,640 | -$86 | -5.0% |
| Kentucky | $2,352 | $626 | 36.3% |
| Louisiana | $2,558 | $832 | 48.2% |
| Maine | $1,066 | -$660 | -38.2% |
| Maryland | $1,424 | -$302 | -17.5% |
| Massachusetts | $1,378 | -$348 | -20.2% |
| Michigan | $2,994 | $1,268 | 73.5% |
| Minnesota | $1,446 | -$280 | -16.2% |
| Mississippi | $2,066 | $340 | 19.7% |
| Missouri | $1,532 | -$194 | -11.2% |
| Montana | $1,854 | $128 | 7.4% |
| Nebraska | $1,362 | -$364 | -21.1% |
| Nevada | $2,066 | $340 | 19.7% |
| New Hampshire | $1,242 | -$484 | -28.0% |
| New Jersey | $1,928 | $202 | 11.7% |
| New Mexico | $1,530 | -$196 | -11.4% |
| New York | $1,816 | $90 | 5.2% |
| North Carolina | $992 | -$734 | -42.5% |
| North Dakota | $1,412 | -$314 | -18.2% |
| Ohio | $1,190 | -$536 | -31.1% |
| Oklahoma | $1,770 | $44 | 2.5% |
| Oregon | $1,580 | -$146 | -8.5% |
| Pennsylvania | $1,646 | -$80 | -4.6% |
| Rhode Island | $2,302 | $576 | 33.4% |
| South Carolina | $1,562 | -$164 | -9.5% |
| South Dakota | $1,458 | -$268 | -15.5% |
| Tennessee | $1,510 | -$216 | -12.5% |
| Texas | $2,078 | $352 | 20.4% |
| Utah | $1,276 | -$450 | -26.1% |
| Vermont | $1,180 | -$546 | -31.6% |
| Virginia | $1,034 | -$692 | -40.1% |
| Washington | $1,332 | -$394 | -22.8% |
| West Virginia | $1,582 | -$144 | -8.3% |
| Wisconsin | $1,196 | -$530 | -30.7% |
| Wyoming | $1,536 | -$190 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2023 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
| 2022 Volkswagen ID4 | $286 | $558 | $644 | $1,726 |
| 2021 Volkswagen ID4 | $270 | $538 | $664 | $1,710 |
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 the Cheapest Volkswagen ID4 Insurance
Finding cheaper rates on insurance for a Volkswagen ID4 takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a recap of the data covered in the charts and tables above.
- Insureds who may need increased levels of liability coverage will pay approximately $710 each year to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers can save up to $200 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Drivers age 20 and younger are the costliest to insure, costing up to $565 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,776 |
| 20 | $4,018 |
| 30 | $1,778 |
| 40 | $1,726 |
| 50 | $1,582 |
| 60 | $1,552 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,098 |
| $250 | $1,926 |
| $500 | $1,726 |
| $1,000 | $1,534 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,726 |
| 50/100 | $1,855 |
| 100/300 | $2,016 |
| 250/500 | $2,434 |
| 100 CSL | $1,919 |
| 300 CSL | $2,273 |
| 500 CSL | $2,531 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,610 |
| 20 | $6,400 |
| 30 | $3,806 |
| 40 | $3,752 |
| 50 | $3,586 |
| 60 | $3,552 |
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 | $89 |
| Multi-vehicle | $93 |
| Homeowner | $28 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $73 |
| Advance Quote | $83 |
| Online Quote | $119 |
| Total Discounts | $715 |
Discounts are estimated and may not be available from every company or in every state.
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