Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Volkswagen ID4 are $1,726 a year including full coverage. Comprehensive costs on average $286, collision costs $558, and liability insurance is estimated at $644. Liability-only insurance costs approximately $726 a year, with high-risk driver insurance costing around $3,752. Teens pay the most at $6,776 a year or more.
Average premium for full coverage: $1,726
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different ID4 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volkswagen ID4 go from as low as $726 for minimum levels of liability insurance to a much higher rate of $3,752 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than relying 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 Rate Details
The chart below breaks down estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,011
- Choosing higher $1,000 deductibles can save around $192 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,726
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $2,098
- High-risk insureds with serious driving violations could pay upwards of $3,752 or more
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $6,776 each year
Insurance prices for a Volkswagen ID4 also have a wide range based on your driving characteristics, the model of your ID4, and policy deductibles and limits.
An older driver with no violations or accidents and high 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 good drivers should be prepared to pay upwards of $6,700 a year. View Rates by Age
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 $1,320 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,460 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $570 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $579 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $2,000 to $2,900 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices will be substantially different from one company to the next.
| 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
Finding better rates on Volkswagen ID4 insurance takes having a decent driving record, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a review of the information raised in the charts and tables above.
- You may be able to save as much as $200 per year simply by shopping early and online
- 16 to 18-year-old drivers pay higher prices, with the cost nearing $565 per month including comprehensive and collision insurance
- Increasing policy deductibles can save around $575 each year
- High-risk drivers who have several accidents or serious violations may pay on average $2,030 more each year than a driver with a clean driving record
- Drivers who require additional liability coverage will pay approximately $710 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
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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