Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Volkswagen ID4 are $1,726 a year for full coverage insurance. Comprehensive insurance costs on average $286 each year, collision insurance costs $558, and liability is $644. Buying just liability costs around $726 a year, and insurance for high-risk drivers costs $3,752 or more. Teen drivers pay the highest rates at up to $6,776 a year.
Average premium for full coverage: $1,726
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and ID4 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen ID4 insurance prices range from as low as $726 for your basic liability-only policy to a high rate of $3,752 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on 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.
More Rate Information
The chart below illustrates average Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,011
- Raising to $1,000 deductibles will save around $192 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,726
- Choosing low deductibles will cost an extra $372 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,752
- The price for full coverage for a 16-year-old driver may cost $6,776
Insurance prices for a Volkswagen ID4 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $6,700 a year. View Rates by Age
The state you live in also has a big influence on Volkswagen ID4 insurance prices. A middle-age driver might find prices as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
Choosing high deductibles can reduce prices by up to $570 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $579 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than average. View High Risk Driver Rates
| 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 Low Cost Volkswagen ID4 Insurance
Getting lower rates on insurance for a Volkswagen ID4 consists of being a safe and courteous driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below is a review of the material that was raised in the charts and tables above.
- Insureds who require higher levels of liability will pay about $710 annually to raise from a low limit to 250/500 limits
- Teenage drivers pay higher prices, as much as $565 a month including comprehensive and collision insurance
- Drivers considered higher risk who have several accidents or serious violations pay an average of $2,030 more each year for auto insurance
- Increasing physical damage deductibles can save around $575 each year
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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