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 $1,726 annually including full coverage. Comprehensive insurance costs an estimated $286 each year, collision costs $558, and liability costs $644. Liability-only coverage costs as little as $726 a year, with high-risk coverage costing $3,752 or more. 16-year-old drivers pay the highest rates at $6,776 a year or more.

Average premium for full coverage: $1,726

Price estimates broken down by individual coverage:

Comprehensive $286
Collision $558
Liability $644

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and ID4 models.

Price Range from Low to High

Using a 40-year-old driver as an example, Volkswagen ID4 insurance prices go from as cheap as $726 for minimum levels of liability insurance to a high rate of $3,752 for a high-risk driver policy.

Liability Only $726
Full Coverage $1,726
High Risk $3,752

Geographic Price Range

Your location can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,295
Small Cities $1,812
Large Cities $2,330

The ranges above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using rate averages.

Use the form below to get customized rates for your location.

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Additional Rate Details

The chart below breaks down estimated Volkswagen ID4 insurance rates for other coverage scenarios.

  • The best full coverage rate is $1,011
  • Drivers who choose higher $1,000 deductibles will pay approximately $192 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,726
  • Buying low deductibles for comprehensive and collision insurance costs an additional $372 every year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,752 or more
  • The price with full coverage for a teen driver can cost as much as $6,776 a year

View Chart as Image

Volkswagen ID4 insurance cost comparison chart
Column chart showing full coverage Volkswagen ID4 insurance prices range from $1,011 to $6,776

Auto insurance prices for a Volkswagen ID4 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $6,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $2,000 to $2,900 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $570 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $579 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Volkswagen ID4 insurance prices. A 40-year-old driver could pay as low as $1,320 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,460 on average in Louisiana, New York, and Michigan.

Volkswagen ID4 Insurance Rates by State
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%

View Chart as Image

Volkswagen ID4 insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, and quoted prices may be quite different between companies.

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

Getting lower rates on car insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a quick review of the information raised in the charts and tables above.

  • You may be able to save approximately $200 per year simply by quoting online in advance
  • Teen drivers are the costliest to insure, possibly costing $565 a month if full coverage is included
  • Increasing physical damage deductibles could save up to $575 each year
  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $2,030 more annually to insure their ID4
  • Policyholders who want more liability coverage will pay around $710 per year to go from a low limit to higher 250/500 limits

Rates by Driver Age

Volkswagen ID4 Insurance 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

Volkswagen ID4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,098
$250 $1,926
$500 $1,726
$1,000 $1,534

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen ID4 Insurance Rates with Different Liability Limits
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

Volkswagen ID4 Insurance 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.

SR-22 Surcharge $242

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
Rate after discounts $1,011

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

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