Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Volkswagen ID4 are $1,740 a year with full coverage. Comprehensive insurance costs approximately $296, collision costs $582, and liability is $624. Buying just liability costs around $710 a year, with insurance for high-risk drivers costing $3,782 or more. 16-year-old drivers pay the highest rates at $6,792 a year or more.
Average premium for full coverage: $1,740
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different ID4 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen ID4 insurance prices go from the low end price of $710 for your basic liability-only policy to a much higher rate of $3,782 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, 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.
More Rate Information
The chart below details estimated Volkswagen ID4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,017
- Raising to $1,000 deductibles will save $198 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,740
- Buying more expensive low deductibles will cost an additional $388 every year
- At-risk drivers with multiple tickets or accidents could pay around $3,782 or more
- The price that insures a teen driver with full coverage can cost $6,792
Insurance prices for a Volkswagen ID4 are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $2,100 to $2,900 additional each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,700 a year. View Rates by Age
The state you live in also has a big influence on Volkswagen ID4 insurance prices. A middle-age driver might find prices as low as $1,250 a year in states like Utah, Ohio, and New Hampshire, or at least $2,350 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,574 | -$166 | -9.5% |
| Alaska | $1,334 | -$406 | -23.3% |
| Arizona | $1,442 | -$298 | -17.1% |
| Arkansas | $1,740 | -$0 | 0.0% |
| California | $1,984 | $244 | 14.0% |
| Colorado | $1,662 | -$78 | -4.5% |
| Connecticut | $1,788 | $48 | 2.8% |
| Delaware | $1,970 | $230 | 13.2% |
| Florida | $2,174 | $434 | 24.9% |
| Georgia | $1,608 | -$132 | -7.6% |
| Hawaii | $1,248 | -$492 | -28.3% |
| Idaho | $1,178 | -$562 | -32.3% |
| Illinois | $1,298 | -$442 | -25.4% |
| Indiana | $1,312 | -$428 | -24.6% |
| Iowa | $1,176 | -$564 | -32.4% |
| Kansas | $1,652 | -$88 | -5.1% |
| Kentucky | $2,374 | $634 | 36.4% |
| Louisiana | $2,578 | $838 | 48.2% |
| Maine | $1,074 | -$666 | -38.3% |
| Maryland | $1,436 | -$304 | -17.5% |
| Massachusetts | $1,388 | -$352 | -20.2% |
| Michigan | $3,020 | $1,280 | 73.6% |
| Minnesota | $1,456 | -$284 | -16.3% |
| Mississippi | $2,082 | $342 | 19.7% |
| Missouri | $1,546 | -$194 | -11.1% |
| Montana | $1,868 | $128 | 7.4% |
| Nebraska | $1,372 | -$368 | -21.1% |
| Nevada | $2,086 | $346 | 19.9% |
| New Hampshire | $1,254 | -$486 | -27.9% |
| New Jersey | $1,946 | $206 | 11.8% |
| New Mexico | $1,542 | -$198 | -11.4% |
| New York | $1,834 | $94 | 5.4% |
| North Carolina | $1,002 | -$738 | -42.4% |
| North Dakota | $1,422 | -$318 | -18.3% |
| Ohio | $1,200 | -$540 | -31.0% |
| Oklahoma | $1,784 | $44 | 2.5% |
| Oregon | $1,594 | -$146 | -8.4% |
| Pennsylvania | $1,660 | -$80 | -4.6% |
| Rhode Island | $2,322 | $582 | 33.4% |
| South Carolina | $1,576 | -$164 | -9.4% |
| South Dakota | $1,468 | -$272 | -15.6% |
| Tennessee | $1,522 | -$218 | -12.5% |
| Texas | $2,094 | $354 | 20.3% |
| Utah | $1,288 | -$452 | -26.0% |
| Vermont | $1,190 | -$550 | -31.6% |
| Virginia | $1,042 | -$698 | -40.1% |
| Washington | $1,342 | -$398 | -22.9% |
| West Virginia | $1,596 | -$144 | -8.3% |
| Wisconsin | $1,206 | -$534 | -30.7% |
| Wyoming | $1,550 | -$190 | -10.9% |
Opting for high physical damage deductibles can reduce prices by up to $590 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $561 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $320 | $600 | $584 | $1,742 |
| 2023 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2022 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
| 2021 Volkswagen ID4 | $286 | $558 | $644 | $1,726 |
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 Affordable Volkswagen ID4 Insurance
Getting lower rates on car insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least once a year by requesting quotes from direct companies, and also from local insurance agencies.
The following items are a brief review of the primary concepts that were raised in the charts and tables above.
- You may be able to save around $200 per year simply by shopping early and online
- Higher risk drivers with DUI or reckless driving convictions may have to pay on average $2,040 more per year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $575 each year
- 16 to 18-year-old drivers are the costliest to insure, costing up to $566 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,792 |
| 20 | $4,052 |
| 30 | $1,796 |
| 40 | $1,740 |
| 50 | $1,596 |
| 60 | $1,566 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,128 |
| $250 | $1,948 |
| $500 | $1,740 |
| $1,000 | $1,542 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,740 |
| 50/100 | $1,865 |
| 100/300 | $2,021 |
| 250/500 | $2,426 |
| 100 CSL | $1,927 |
| 300 CSL | $2,270 |
| 500 CSL | $2,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,642 |
| 20 | $6,454 |
| 30 | $3,840 |
| 40 | $3,782 |
| 50 | $3,612 |
| 60 | $3,580 |
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 | $90 |
| Multi-vehicle | $94 |
| Homeowner | $28 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $74 |
| Advance Quote | $84 |
| Online Quote | $120 |
| Total Discounts | $723 |
Discounts are estimated and may not be available from every company or in every state.
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