Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Volkswagen ID4 are $1,740 every 12 months for full coverage. Comprehensive costs on average $296 a year, collision insurance costs $582, and liability costs around $624. A liability-only policy costs as low as $710 a year, and high-risk insurance costs around $3,782. 16-year-old drivers pay the most at up to $6,792 a year.
Average premium for full coverage: $1,740
Premium estimates by type of coverage:
Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and ID4 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volkswagen ID4 range from the cheapest price of $710 for just liability insurance to a high of $3,782 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.
These rate differences show why it is important to compare prices based on a specific location and their own driving history, instead of using rate 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 Details
The chart below shows average Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,017
- Using higher $1,000 deductibles will save around $1,542 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,740
- Buying low $100 deductibles for physical damage coverage increases the price to $2,128
- Drivers with multiple tickets or accidents could pay upwards of $3,782
- An auto insurance policy to insure a teen driver may cost $6,792 or more
Auto insurance prices for a Volkswagen ID4 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your ID4.
Opting for high physical damage deductibles could cut prices by as much as $590 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $561 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $6,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,100 to $2,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Volkswagen ID4 insurance prices. A driver around age 40 might see prices as low as $1,150 a year in states like Idaho, Maine, and Iowa, or at least $2,480 on average in Michigan, Louisiana, and New York.
| 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 Shop for the Best Volkswagen ID4 Insurance
Finding better rates on car insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every year by quoting rates from direct carriers, and also from local independent and exclusive agents.
Below is a brief recap of the coverage data covered in the charts and tables above.
- Drivers can save as much as $200 per year just by quoting early and online
- Increasing policy deductibles could save as much as $575 each year
- Teenage drivers are charged the highest prices, as much as $566 per month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations pay an average of $2,040 more each year for auto 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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