Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen ID4 are $1,726 annually for full coverage insurance. Comprehensive insurance costs on average $286, collision costs $558, and liability is estimated at $644. Liability-only insurance costs approximately $726 a year, with high-risk driver insurance costing $3,752 or more. Teenage drivers cost the most to insure at $6,776 a year or more.
Average premium for full coverage: $1,726
Policy rates by type of insurance:
Estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different ID4 trim levels.
Price Range Variability
For the average driver, Volkswagen ID4 insurance rates go from as cheap as $726 for a discount liability-only rate to a much higher rate of $3,752 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how location impacts car insurance rates.
The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,011
- Choosing higher $1,000 deductibles can save around $192 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,726
- Using more expensive low deductibles for comp and collision coverage costs an additional $372 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,752 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage may cost $6,776 each year
Auto insurance rates for a Volkswagen ID4 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $6,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $2,000 to $2,900 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $570 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $579 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volkswagen ID4 insurance prices. A good driver about age 40 could pay as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.
| 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 Buy Low Cost Volkswagen ID4 Insurance
Finding cheaper rates on insurance for a Volkswagen ID4 takes not taking risks behind the wheel, having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a review of the data touched on above.
- Insureds who require higher liability limits will pay an extra $710 annually to raise limits from a 30/60 limit to higher 250/500 limits
- It is possible to save as much as $200 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Teens are charged the highest rates, possibly costing $565 each month if full coverage is included
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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