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...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Volkswagen ID4 are $1,726 every 12 months including full coverage. Comprehensive insurance costs on average $286 a year, collision costs $558, and liability costs $644. Liability-only insurance costs as little as $726 a year, with high-risk driver insurance costing $3,752 or more. 16-year-old drivers pay the most at $6,776 a year or more.
Average premium for full coverage: $1,726
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and ID4 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volkswagen ID4 go from the cheapest price of $726 for basic liability insurance to a high of $3,752 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how location helps determine car insurance rates.
These rate differences highlight why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,011
- Drivers who choose higher $1,000 deductibles will pay around $1,534 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,726
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $372 annually
- Drivers with multiple tickets or accidents could pay upwards of $3,752 or more
- An auto insurance policy to insure a 16-year-old driver may cost $6,776 a year
Insurance prices for a Volkswagen ID4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your ID4.
Opting for high physical damage deductibles could save up to $570 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $579 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $6,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $2,000 to $2,900 additional annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than the average rate. 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 $1,320 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% |
With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company utilizes a different rate formula, and prices will be substantially 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 Shop for the Best Cheap Volkswagen ID4 Insurance
Finding better rates on insurance for a Volkswagen ID4 not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a quick review of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,030 more each year than a low-risk driver
- You may be able to save as much as $200 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $575 each year
- Insureds who require more liability protection will pay around $710 per 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 | $6,776 |
| 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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