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...
Licensed Insurance Agent
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 costs on average $286, collision costs $558, and liability costs $644. A liability-only policy costs as little as $726 a year, with high-risk insurance costing around $3,752. 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 include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all ID4 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $726 for basic liability insurance to the much higher price of $3,752 for a driver who requires high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas.
The example below illustrates how geographic area affects car insurance rates.
These examples show why everyone should compare rates based on a specific location and their own driving history, instead of using 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 shows estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,011
- Drivers who choose higher $1,000 deductibles will pay around $192 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,726
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $2,098
- Higher-risk 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 a year
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 save up to $570 every 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 may pay as little as $1,600 per year on average 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 cost as much as 43% to 129% more than average. View High Risk Driver Rates
Where you live makes a big difference in Volkswagen ID4 insurance prices. A 40-year-old driver could pay 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 and see which company has the best rate. Every 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 the Right Volkswagen ID4 Insurance
Saving money on car insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unneeded coverage, and bundling your home and auto policies. Invest the time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a quick rundown of the concepts that were presented in the illustrations above.
- Higher risk drivers with reckless driving or DUI convictions pay an average of $2,030 more each year to insure a Volkswagen ID4
- Drivers under the age of 20 pay the highest rates, costing as high as $565 per month if they have full coverage
- Drivers can save as much as $200 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $575 each year
- Drivers can save as much as $200 per year simply 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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