Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a Volkswagen ID4 are $1,726 every 12 months for full coverage. Comprehensive insurance costs on average $286, collision costs $558, and liability insurance costs around $644. A liability-only policy costs as low as $726 a year, with high-risk insurance costing $3,752 or more. Teen 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:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all ID4 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $726 for your basic liability-only policy to the much higher price of $3,752 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
These examples show why everyone should compare prices based on a specific location and their own driving history, 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.
More Rate Information
The chart below shows estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,011
- Using higher $1,000 deductibles will save around $192 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,726
- Choosing pricier low deductibles for physical damage coverage costs an extra $372 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,752 or more
- The cost to insure a teen driver for full coverage may cost $6,776 or more
Insurance rates for a Volkswagen ID4 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your ID4.
Choosing high deductibles could cut rates by as much as $570 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $579 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $6,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $2,000 to $2,900 extra per 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
Where you live has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see rates as low as $1,140 a year in states like Idaho, Maine, and Iowa, or as much as $2,460 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates 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 Shop for Affordable Volkswagen ID4 Insurance
Saving money on Volkswagen ID4 insurance requires being a good driver, having good credit, eliminating unneeded coverage, and bundling your home and auto policies. Make time to compare rates once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a brief review of the data that was touched on in this article.
- Drivers can save as much as $200 per year simply by quoting online well ahead of the renewal date
- Drivers who require an increased level of liability coverage will pay about $710 each year to increase from a minimum limit to a 250/500 level
- Drivers age 16 to 20 pay the highest rates, costing as high as $565 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions pay an average of $2,030 more each year than a safer driver
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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