Volkswagen ID4 Insurance Rates

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

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.

U.S. average insurance rates for a Volkswagen ID4 are $1,726 a year for full coverage insurance. Comprehensive insurance costs on average $286, collision insurance costs $558, and liability coverage costs $644. A policy with just liability insurance costs as little as $726 a year, and coverage 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:

Comprehensive $286
Collision $558
Liability $644

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different ID4 trim levels.

Price Range from Low to High

For the average 40-year-old driver, Volkswagen ID4 insurance prices range from as low as $726 for your basic liability-only policy to a much higher rate of $3,752 for a high-risk insurance policy.

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

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates the difference location can make on car insurance rates.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, 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.

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
  • Drivers who choose higher $1,000 deductibles will pay around $192 each year
  • The average rate for the average middle-age driver with $500 deductibles is $1,726
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $372 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,752
  • The price for full coverage for a teenage driver with full coverage may cost $6,776 a year

View Chart as Image

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

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.

An older driver with a clean driving record and high deductibles may only pay around $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $6,700 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen ID4 insurance rates. A 40-year-old driver could pay 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.

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

Choosing high deductibles could save up to $570 a year, while increasing your policy's 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 per 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 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 129% more than average. View High Risk Driver Rates

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 Affordable Volkswagen ID4 Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also maintaining good credit, not filing small claims, and determing if full coverage is necessary. Make time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a brief review of the car insurance concepts touched on in this article.

  • Drivers with DUI or reckless driving convictions pay an average of $2,030 more each year than a driver with a clean driving record
  • It is possible to save as much as $200 per year just by shopping early and online
  • Increasing physical damage deductibles can save around $575 each year
  • Consumers who require additional liability coverage will pay about $710 annually to go from a low limit to 250/500 limits

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

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles