Volkswagen ID4 Insurance Rates

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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 costs around $286, collision costs $558, and liability coverage costs $644. A policy with just liability insurance costs as little as $726 a year, with coverage for high-risk drivers costing around $3,752. Teens pay the highest rates at $6,776 a year or more.

Average premium for full coverage: $1,726

Price estimates for individual coverage:

Comprehensive $286
Collision $558
Liability $644

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different ID4 trim levels.

Price Range from Low to High

For an average driver, Volkswagen ID4 insurance prices go from the low end price of $726 for liability-only coverage 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 car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto 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 for a specific zip code, rather than 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 Charts and Tables

The chart below illustrates estimated Volkswagen ID4 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,011
  • Drivers who choose higher $1,000 deductibles will pay about $192 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,726
  • Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,098
  • High-risk insureds with serious driving violations could pay at least $3,752 or more
  • The price that insures a teenage driver with full coverage can be $6,776 a year

View Chart as Image

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

Insurance prices for a Volkswagen ID4 are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $2,000 to $2,900 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $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 have to pay at least $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 higher comprehensive and collision insurance deductibles could save up to $570 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $579 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. Every company calculates prices differently, so the prices may be quite different.

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 the Cheapest Volkswagen ID4 Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates at least every other year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The items below are a recap of the car insurance concepts covered in the above illustrations.

  • Drivers that have major violations or accidents could be forced to pay on average $2,030 more every year to insure their ID4
  • It is possible to save up to $200 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $575 each year
  • Consumers who may need more liability coverage will pay approximately $710 annually to go from a low limit to the 250/500 level

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.

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