Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Volkswagen ID4 are $1,738 every 12 months for full coverage insurance. Comprehensive insurance costs on average $306 each year, collision costs $596, and liability coverage is $598. Liability-only coverage costs around $688 a year, with high-risk coverage costing $3,774 or more. Teens pay the highest rates at $6,742 a year or more.
Average premium for full coverage: $1,738
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and ID4 models.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen ID4 insurance prices go from the cheapest price of $688 for the bare minimum liability coverage to a high rate of $3,774 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, 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 Rate Information
The chart below illustrates estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,015
- Raising to $1,000 deductibles will save around $204 each year
- The average price for the average middle-age driver with $500 deductibles is $1,738
- Selecting low deductibles costs an extra $400 each year
- Unlucky drivers with serious driving violations could pay upwards of $3,774 or more
- The price to insure a teenage driver may cost $6,742
Auto insurance prices for a Volkswagen ID4 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your ID4.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $610 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $6,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $2,100 to $2,900 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 134% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Volkswagen ID4 insurance rates. A middle-age driver might find prices as low as $1,140 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,350 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,572 | -$166 | -9.6% |
| Alaska | $1,332 | -$406 | -23.4% |
| Arizona | $1,440 | -$298 | -17.1% |
| Arkansas | $1,738 | -$0 | 0.0% |
| California | $1,984 | $246 | 14.2% |
| Colorado | $1,660 | -$78 | -4.5% |
| Connecticut | $1,786 | $48 | 2.8% |
| Delaware | $1,966 | $228 | 13.1% |
| Florida | $2,174 | $436 | 25.1% |
| Georgia | $1,606 | -$132 | -7.6% |
| Hawaii | $1,248 | -$490 | -28.2% |
| Idaho | $1,180 | -$558 | -32.1% |
| Illinois | $1,296 | -$442 | -25.4% |
| Indiana | $1,312 | -$426 | -24.5% |
| Iowa | $1,176 | -$562 | -32.3% |
| Kansas | $1,652 | -$86 | -4.9% |
| Kentucky | $2,372 | $634 | 36.5% |
| Louisiana | $2,576 | $838 | 48.2% |
| Maine | $1,074 | -$664 | -38.2% |
| Maryland | $1,436 | -$302 | -17.4% |
| Massachusetts | $1,390 | -$348 | -20.0% |
| Michigan | $3,018 | $1,280 | 73.6% |
| Minnesota | $1,454 | -$284 | -16.3% |
| Mississippi | $2,082 | $344 | 19.8% |
| Missouri | $1,544 | -$194 | -11.2% |
| Montana | $1,868 | $130 | 7.5% |
| Nebraska | $1,372 | -$366 | -21.1% |
| Nevada | $2,082 | $344 | 19.8% |
| New Hampshire | $1,252 | -$486 | -28.0% |
| New Jersey | $1,942 | $204 | 11.7% |
| New Mexico | $1,542 | -$196 | -11.3% |
| New York | $1,832 | $94 | 5.4% |
| North Carolina | $1,002 | -$736 | -42.3% |
| North Dakota | $1,424 | -$314 | -18.1% |
| Ohio | $1,200 | -$538 | -31.0% |
| Oklahoma | $1,784 | $46 | 2.6% |
| Oregon | $1,594 | -$144 | -8.3% |
| Pennsylvania | $1,658 | -$80 | -4.6% |
| Rhode Island | $2,318 | $580 | 33.4% |
| South Carolina | $1,576 | -$162 | -9.3% |
| South Dakota | $1,466 | -$272 | -15.7% |
| Tennessee | $1,522 | -$216 | -12.4% |
| Texas | $2,094 | $356 | 20.5% |
| Utah | $1,286 | -$452 | -26.0% |
| Vermont | $1,190 | -$548 | -31.5% |
| Virginia | $1,042 | -$696 | -40.0% |
| Washington | $1,342 | -$396 | -22.8% |
| West Virginia | $1,594 | -$144 | -8.3% |
| Wisconsin | $1,204 | -$534 | -30.7% |
| Wyoming | $1,548 | -$190 | -10.9% |
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $336 | $626 | $558 | $1,758 |
| 2023 Volkswagen ID4 | $320 | $600 | $584 | $1,742 |
| 2022 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2021 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
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 Cheaper Volkswagen ID4 Insurance
Getting lower rates on auto insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and taking advantage of discounts. Make time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a condensed summary of the information touched on in this article.
- It is possible to save as much as $200 per year simply by quoting online in advance
- Youthful drivers are charged the highest prices, as much as $562 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save as much as $600 each year
- Drivers with multiple at-fault accidents pay on average $2,040 more each year than a low-risk driver
- Consumers who require more liability protection will pay approximately $660 annually to raise from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,742 |
| 20 | $4,044 |
| 30 | $1,798 |
| 40 | $1,738 |
| 50 | $1,592 |
| 60 | $1,564 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,138 |
| $250 | $1,954 |
| $500 | $1,738 |
| $1,000 | $1,534 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,738 |
| 50/100 | $1,858 |
| 100/300 | $2,007 |
| 250/500 | $2,396 |
| 100 CSL | $1,917 |
| 300 CSL | $2,246 |
| 500 CSL | $2,486 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,570 |
| 20 | $6,434 |
| 30 | $3,834 |
| 40 | $3,774 |
| 50 | $3,606 |
| 60 | $3,572 |
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 | $93 |
| Homeowner | $27 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $75 |
| 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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