Volkswagen ID4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Volkswagen ID4 are $1,726 every 12 months for full coverage insurance. Comprehensive costs around $286 each year, collision costs $558, and liability insurance costs around $644. A policy with only liability insurance costs as low as $726 a year, with a high-risk policy costing around $3,752. 16-year-old drivers pay the most at $6,776 a year or more.
Average premium for full coverage: $1,726
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and ID4 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Volkswagen ID4 go from the cheapest price of $726 for a discount liability-only rate to a high rate of $3,752 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
These rate differences illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on 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.
Rates by State, City, and Model
The chart below illustrates estimated Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,011
- Using higher $1,000 deductibles will save about $192 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,726
- Buying low deductibles for physical damage coverage increases the price to $2,098
- Drivers with multiple tickets or accidents could pay at least $3,752 or more
- An auto insurance policy to insure a teen driver can be $6,776 or more
Car insurance prices for a Volkswagen ID4 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $570 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $579 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could 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 be charged as much as $6,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $2,000 to $2,900 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see prices as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,330 on average in Michigan, New York, 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% |
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes will be substantially 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
Finding better rates on Volkswagen ID4 insurance requires being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following list is a brief review of the information illustrated above.
- It is possible to save up to $200 per year simply by quoting online in advance
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $565 per month if the policy includes full coverage
- Increasing policy deductibles could save as much as $575 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $2,030 more every year than a safer driver
- Drivers who may need an increased level of liability coverage will pay around $710 annually to increase from 30/60 bodily injury limits to a 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
