Volkswagen ID4 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Volkswagen ID4 are $1,726 a year with full coverage. Comprehensive costs approximately $286, collision insurance costs $558, and liability insurance costs around $644. Liability-only insurance costs as low as $726 a year, and high-risk driver insurance costs around $3,752. Teen drivers pay the highest rates at up to $6,776 a year.
Average premium for full coverage: $1,726
Price estimates by individual coverage:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all ID4 models.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen ID4 insurance prices range from as low as $726 for basic liability insurance to the much higher price of $3,752 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.
The ranges above demonstrate why everyone should compare prices using their specific location and risk profile, rather than relying on price averages.
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.
Rate Comparisons
The chart below details average Volkswagen ID4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,011
- Using higher $1,000 deductibles will save $192 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,726
- Choosing pricier low deductibles for physical damage coverage will increase the cost to $2,098
- Drivers with multiple violations and an at-fault accident could pay around $3,752
- The price for full coverage for a teen driver for full coverage can cost $6,776 or more
Car insurance prices for a Volkswagen ID4 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $6,700 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see prices as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,330 on average in New York, Michigan, 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% |
Choosing high deductibles could cut prices by as much as $570 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $579 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,900 extra each year, depending on your age. Volkswagen ID4 insurance for high-risk drivers can be anywhere from 43% to 129% more than average. View High Risk Driver Rates
| 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 the Best Volkswagen ID4 Insurance
Getting lower rates on Volkswagen ID4 insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following is a brief recap of the concepts that were touched on in this article.
- High-risk drivers who tend to receive serious violations pay on average $2,030 more per year for ID4 insurance
- Teens pay the highest auto insurance prices, costing up to $565 a month if full coverage is included
- You may be able to save around $200 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $575 each year
- You may be able to save around $200 per year just by quoting online well ahead of the renewal date
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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