Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a Volkswagen ID4 are $1,726 every 12 months with full coverage. Comprehensive insurance costs on average $286 a year, collision costs $558, and liability coverage is estimated at $644. Buying just liability costs approximately $726 a year, with insurance for high-risk drivers costing $3,752 or more. 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:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and ID4 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $726 for just liability coverage to a high of $3,752 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how where you live affects car insurance rates.
These examples demonstrate why it is important to get quotes based on a specific location and their own driving history, rather than 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.
Detailed Rate Analysis
The chart below details estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,011
- Choosing higher $1,000 deductibles can save around $1,534 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,726
- Choosing low $100 deductibles for comp and collision coverage costs an extra $372 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,752 or more
- The cost to insure a teenage driver may cost $6,776 each year
Auto insurance rates for a Volkswagen ID4 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your ID4.
Choosing high deductibles can save as much as $570 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $579 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,600 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have 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 may be forking out at a minimum $2,000 to $2,900 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 129% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volkswagen ID4 insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,330 on average in Florida, Michigan, 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 best way to find out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and quoted 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 Best Volkswagen ID4 Insurance
Saving money on auto insurance takes being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the data that was touched on in the above illustrations.
- You may be able to save as much as $200 per year simply by quoting early and online
- Consumers who require more liability protection will pay about $710 every year to raise limits from a minimum limit to a 250/500 level
- Youthful drivers are charged the highest rates, with premiums as much as $565 per month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations may pay on average $2,030 more each year than a low-risk driver
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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