Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Volkswagen ID4 are $1,740 every 12 months for full coverage. Comprehensive insurance costs around $296, collision insurance costs $582, and liability costs $624. Liability-only insurance costs as little as $710 a year, and high-risk driver insurance costs $3,782 or more. Teens pay the most at up to $6,792 a year.
Average premium for full coverage: $1,740
Premium estimates for type of coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all ID4 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Volkswagen ID4 range from the cheapest price of $710 for the bare minimum liability coverage to the much higher price of $3,782 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.
These rate differences show why everyone should compare rates for a specific zip code and their own driving history, instead of using averaged prices.
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.
Additional Rate Information
The chart below shows average Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,017
- Drivers who choose higher $1,000 deductibles will pay about $198 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,740
- Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $388 every year
- Higher-risk drivers with serious driving violations could pay at least $3,782
- An auto insurance policy to insure a teen driver for full coverage can be $6,792 a year
Insurance prices for a Volkswagen ID4 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $590 every year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $561 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $6,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $2,100 to $2,900 additional annually, depending on your age. Volkswagen ID4 insurance for high-risk drivers can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Volkswagen ID4 insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,480 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,574 | -$166 | -9.5% |
| Alaska | $1,334 | -$406 | -23.3% |
| Arizona | $1,442 | -$298 | -17.1% |
| Arkansas | $1,740 | -$0 | 0.0% |
| California | $1,984 | $244 | 14.0% |
| Colorado | $1,662 | -$78 | -4.5% |
| Connecticut | $1,788 | $48 | 2.8% |
| Delaware | $1,970 | $230 | 13.2% |
| Florida | $2,174 | $434 | 24.9% |
| Georgia | $1,608 | -$132 | -7.6% |
| Hawaii | $1,248 | -$492 | -28.3% |
| Idaho | $1,178 | -$562 | -32.3% |
| Illinois | $1,298 | -$442 | -25.4% |
| Indiana | $1,312 | -$428 | -24.6% |
| Iowa | $1,176 | -$564 | -32.4% |
| Kansas | $1,652 | -$88 | -5.1% |
| Kentucky | $2,374 | $634 | 36.4% |
| Louisiana | $2,578 | $838 | 48.2% |
| Maine | $1,074 | -$666 | -38.3% |
| Maryland | $1,436 | -$304 | -17.5% |
| Massachusetts | $1,388 | -$352 | -20.2% |
| Michigan | $3,020 | $1,280 | 73.6% |
| Minnesota | $1,456 | -$284 | -16.3% |
| Mississippi | $2,082 | $342 | 19.7% |
| Missouri | $1,546 | -$194 | -11.1% |
| Montana | $1,868 | $128 | 7.4% |
| Nebraska | $1,372 | -$368 | -21.1% |
| Nevada | $2,086 | $346 | 19.9% |
| New Hampshire | $1,254 | -$486 | -27.9% |
| New Jersey | $1,946 | $206 | 11.8% |
| New Mexico | $1,542 | -$198 | -11.4% |
| New York | $1,834 | $94 | 5.4% |
| North Carolina | $1,002 | -$738 | -42.4% |
| North Dakota | $1,422 | -$318 | -18.3% |
| Ohio | $1,200 | -$540 | -31.0% |
| Oklahoma | $1,784 | $44 | 2.5% |
| Oregon | $1,594 | -$146 | -8.4% |
| Pennsylvania | $1,660 | -$80 | -4.6% |
| Rhode Island | $2,322 | $582 | 33.4% |
| South Carolina | $1,576 | -$164 | -9.4% |
| South Dakota | $1,468 | -$272 | -15.6% |
| Tennessee | $1,522 | -$218 | -12.5% |
| Texas | $2,094 | $354 | 20.3% |
| Utah | $1,288 | -$452 | -26.0% |
| Vermont | $1,190 | -$550 | -31.6% |
| Virginia | $1,042 | -$698 | -40.1% |
| Washington | $1,342 | -$398 | -22.9% |
| West Virginia | $1,596 | -$144 | -8.3% |
| Wisconsin | $1,206 | -$534 | -30.7% |
| Wyoming | $1,550 | -$190 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $320 | $600 | $584 | $1,742 |
| 2023 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2022 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
| 2021 Volkswagen ID4 | $286 | $558 | $644 | $1,726 |
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 More Affordable Volkswagen ID4 Insurance
Finding better rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The points below are a summary of the information touched on in the above illustrations.
- Drivers can save up to $200 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 are charged the highest prices, as much as $566 per month if full coverage is included
- Increasing policy deductibles could save as much as $575 each year
- Higher risk drivers who have multiple accidents or major violations may pay on average $2,040 more every year to insure a Volkswagen ID4
- Policyholders who may need increased liability limits will pay approximately $690 each year to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,792 |
| 20 | $4,052 |
| 30 | $1,796 |
| 40 | $1,740 |
| 50 | $1,596 |
| 60 | $1,566 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,128 |
| $250 | $1,948 |
| $500 | $1,740 |
| $1,000 | $1,542 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,740 |
| 50/100 | $1,865 |
| 100/300 | $2,021 |
| 250/500 | $2,426 |
| 100 CSL | $1,927 |
| 300 CSL | $2,270 |
| 500 CSL | $2,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,642 |
| 20 | $6,454 |
| 30 | $3,840 |
| 40 | $3,782 |
| 50 | $3,612 |
| 60 | $3,580 |
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 | $90 |
| Multi-vehicle | $94 |
| Homeowner | $28 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $74 |
| Advance Quote | $84 |
| Online Quote | $120 |
| Total Discounts | $723 |
Discounts are estimated and may not be available from every company or in every state.
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