Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Volkswagen ID4 are $1,740 annually including full coverage. Comprehensive insurance costs on average $296 a year, collision insurance costs $582, and liability is estimated at $624. A policy with just liability insurance costs approximately $710 a year, and coverage for high-risk drivers costs $3,782 or more. Teenage drivers pay the highest rates at up to $6,792 a year.
Average premium for full coverage: $1,740
Price estimates by individual coverage:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and ID4 trim levels.
Price Range from Low to High
For an average driver, Volkswagen ID4 insurance prices range from as cheap as $710 for your basic liability-only policy to a high of $3,782 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why it is important to get quotes based on a specific location and their own personal driving habits, instead of using 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.
More Rate Information
The chart below breaks down average Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,017
- Choosing higher $1,000 deductibles can save around $1,542 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,740
- Using low $100 deductibles for comp and collision coverage costs an additional $388 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,782
- The price with full coverage for a teen driver may cost $6,792 each year
Insurance prices for a Volkswagen ID4 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $6,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $2,100 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $590 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $561 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Volkswagen ID4 insurance prices. A good driver about age 40 could pay as low as $1,330 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,480 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Cheap Volkswagen ID4 Insurance
Getting lower rates on car insurance takes being safe and accident-free, having a good credit history, being claim-free, and determing if full coverage is necessary. Take the time to compare rates at least once a year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a brief summary of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $200 per year just by quoting early and online
- Higher risk drivers that tend to have accidents or serious violations pay on average $2,040 more each year than a low-risk driver
- Increasing physical damage deductibles could save up to $575 each year
- Youthful drivers pay the highest prices, possibly costing $566 a month including comprehensive and collision insurance
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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