Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Volkswagen ID4 are $1,726 a year for full coverage insurance. Comprehensive costs on average $286 a year, collision costs $558, and liability costs $644. Liability-only coverage costs as little as $726 a year, with high-risk coverage costing around $3,752. Teenage drivers receive the highest rates at $6,776 a year or more.
Average premium for full coverage: $1,726
Rate estimates by individual coverage type:
Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and ID4 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $726 for minimum levels of liability insurance to a high of $3,752 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why it is important to compare rates based on a specific location, instead of making a decision based 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.
Additional Rate Details
The chart below illustrates estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,011
- Drivers who choose higher $1,000 deductibles will pay around $1,534 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,726
- Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,098
- Drivers who are prone to accidents and violations could pay upwards of $3,752 or more
- The cost that insures a 16-year-old driver may cost $6,776 a year
Car insurance rates for a Volkswagen ID4 can also vary considerably based on the trim level of your ID4, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $2,000 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $6,700 a year. View Rates by Age
Where you live makes a big difference in Volkswagen ID4 insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,330 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $570 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $579 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 Find Low Cost Volkswagen ID4 Insurance
Saving money on insurance for a Volkswagen ID4 not only requires having a good driving record, but also having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a review of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger are expensive to insure, costing up to $565 per month if full coverage is purchased
- Drivers considered higher risk who have several accidents or serious violations may pay on average $2,030 more each year to buy Volkswagen ID4 insurance
- Increasing deductibles can save approximately $575 each year
- It is possible to save as much as $200 per year simply by quoting early and online
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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