Volkswagen ID4 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

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.

Average insurance rates for a Volkswagen ID4 are $1,726 a year for full coverage. Comprehensive costs an estimated $286, collision costs $558, and liability insurance is $644. A policy with just liability insurance costs around $726 a year, with coverage for high-risk drivers costing around $3,752. Teenage drivers receive the highest rates at $6,776 a year or more.

Average premium for full coverage: $1,726

Rate estimates broken down by individual coverage type:

Comprehensive $286
Collision $558
Liability $644

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different ID4 trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $726 for your basic liability-only policy to a much higher rate of $3,752 for high-risk insurance.

Liability Only $726
Full Coverage $1,726
High Risk $3,752

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

Rural Areas $1,295
Small Cities $1,812
Large Cities $2,330

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on average rates.

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.

By clicking, you agree to our Terms of Use

More Rate Information

The chart below shows estimated Volkswagen ID4 insurance rates for other coverage scenarios.

  • The best discount rate is $1,011
  • Raising to $1,000 deductibles will save approximately $192 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,726
  • Using more expensive low deductibles bumps up the cost to $2,098
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,752 or more
  • The cost that insures a teen driver with full coverage can cost as much as $6,776

View Chart as Image

Volkswagen ID4 insurance cost comparison chart
Column chart showing full coverage Volkswagen ID4 insurance rates range from $1,011 to $6,776

Insurance rates for a Volkswagen ID4 can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $2,000 to $2,900 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,700 a year. View Rates by Age

Where you live also has a big influence on Volkswagen ID4 insurance rates. A middle-age driver might find rates as low as $1,140 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,460 on average in New York, Louisiana, and Michigan.

Volkswagen ID4 Insurance Rates by State
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%

View Chart as Image

Volkswagen ID4 insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $579 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.

Volkswagen ID4 Insurance Rates by Model Year
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 Right Volkswagen ID4 Insurance

Saving money on Volkswagen ID4 insurance consists of being a low-risk driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare prices every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the material that was illustrated above.

  • Drivers who want more liability coverage will pay an extra $710 each year to raise from a minimum limit to the 250/500 level
  • Teen drivers are expensive to insure, costing as high as $565 per month if comprehensive and collision insurance is included
  • High-risk drivers with reckless driving or DUI convictions may pay on average $2,030 more annually to insure their ID4
  • Increasing deductibles can save approximately $575 each year

Rates by Driver Age

Volkswagen ID4 Insurance 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

Volkswagen ID4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,098
$250 $1,926
$500 $1,726
$1,000 $1,534

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen ID4 Insurance Rates with Different Liability Limits
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

Volkswagen ID4 Insurance 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.

SR-22 Surcharge $242

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
Rate after discounts $1,011

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

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles