Volkswagen ID4 Insurance Rates
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Michelle Robbins
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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
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U.S. average auto insurance rates for a Volkswagen ID4 are $1,726 annually including full coverage. Comprehensive insurance costs an estimated $286 each year, collision costs $558, and liability costs $644. Liability-only coverage costs as little as $726 a year, with high-risk coverage costing $3,752 or more. 16-year-old drivers pay the highest rates at $6,776 a year or more.
Average premium for full coverage: $1,726
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and ID4 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen ID4 insurance prices go from as cheap as $726 for minimum levels of liability insurance to a high rate of $3,752 for a high-risk driver policy.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using rate 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.
Additional Rate Details
The chart below breaks down estimated Volkswagen ID4 insurance rates for other coverage scenarios.
- The best full coverage rate is $1,011
- Drivers who choose higher $1,000 deductibles will pay approximately $192 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,726
- Buying low deductibles for comprehensive and collision insurance costs an additional $372 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,752 or more
- The price with full coverage for a teen driver can cost as much as $6,776 a year
Auto insurance prices for a Volkswagen ID4 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $6,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $2,000 to $2,900 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $570 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $579 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Volkswagen ID4 insurance prices. A 40-year-old driver could pay as low as $1,320 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,460 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, and quoted prices may be quite different 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 the Best Cheap Volkswagen ID4 Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a quick review of the information raised in the charts and tables above.
- You may be able to save approximately $200 per year simply by quoting online in advance
- Teen drivers are the costliest to insure, possibly costing $565 a month if full coverage is included
- Increasing physical damage deductibles could save up to $575 each year
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $2,030 more annually to insure their ID4
- Policyholders who want more liability coverage will pay around $710 per year to go from a low limit to higher 250/500 limits
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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