Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a Volkswagen ID4 are $1,726 a year for full coverage. Comprehensive costs an estimated $286, collision costs $558, and liability insurance is $644. A policy with just liability insurance costs around $726 a year, with coverage for high-risk drivers costing around $3,752. Teenage drivers receive the highest rates at $6,776 a year or more.
Average premium for full coverage: $1,726
Rate estimates broken down by individual coverage type:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different ID4 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $726 for your basic liability-only policy to a much higher rate of $3,752 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.
The price range example below illustrates how your location can change insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on average rates.
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 shows estimated Volkswagen ID4 insurance rates for other coverage scenarios.
- The best discount rate is $1,011
- Raising to $1,000 deductibles will save approximately $192 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,726
- Using more expensive low deductibles bumps up the cost to $2,098
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,752 or more
- The cost that insures a teen driver with full coverage can cost as much as $6,776
Insurance rates for a Volkswagen ID4 can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $2,000 to $2,900 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,700 a year. View Rates by Age
Where you live also has a big influence on Volkswagen ID4 insurance rates. A middle-age driver might find rates as low as $1,140 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,460 on average in New York, Louisiana, 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% |
Using high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $579 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and 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 Find the Right Volkswagen ID4 Insurance
Saving money on Volkswagen ID4 insurance consists of being a low-risk driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare prices every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick rundown of the material that was illustrated above.
- Drivers who want more liability coverage will pay an extra $710 each year to raise from a minimum limit to the 250/500 level
- Teen drivers are expensive to insure, costing as high as $565 per month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $2,030 more annually to insure their ID4
- Increasing deductibles can save approximately $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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