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 insurance prices for a Volkswagen ID4 are $1,726 every 12 months including full coverage. Comprehensive costs around $286, collision insurance costs $558, and liability coverage costs around $644. A policy with just liability insurance costs as low as $726 a year, and coverage for high-risk drivers costs around $3,752. 16-year-old drivers pay the highest rates at up to $6,776 a year.
Average premium for full coverage: $1,726
Price estimates for individual coverage:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all ID4 models.
Price Range from Low to High
For a 40-year-old driver, Volkswagen ID4 insurance prices range from the cheapest price of $726 for a discount liability-only rate to the much higher price of $3,752 for high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.
The ranges above highlight why everyone should compare prices for a specific zip code and their own driving history, rather than 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.
Rates by State, City, and Model
The chart below breaks down average Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,011
- Using higher $1,000 deductibles will save about $192 every year
- The average price for the average middle-age driver using $500 deductibles is $1,726
- Buying pricier low deductibles for physical damage coverage increases the price to $2,098
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,752
- The price to insure a teenage driver for full coverage can be $6,776 or more
Insurance prices for a Volkswagen ID4 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $570 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $579 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,600 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $6,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $2,000 to $2,900 extra each year, depending on your age. Volkswagen ID4 insurance for high-risk drivers can be around 43% to 129% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see prices as low as $1,320 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,460 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Shop for More Affordable Volkswagen ID4 Insurance
Getting lower rates on auto insurance requires having a good driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a summary of the material that was illustrated above.
- Consumers who may need increased levels of liability coverage will pay around $710 per year to increase from a low limit to a 250/500 level
- Drivers age 20 and younger pay higher prices, possibly costing $565 a month if they have full coverage
- Drivers who have multiple accidents or major violations could be forced to pay on average $2,030 more every year to buy Volkswagen ID4 insurance
- Increasing physical damage deductibles could save as much as $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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