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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Average auto insurance rates for a Volkswagen ID4 are $1,740 annually including full coverage. Comprehensive costs around $296 a year, collision costs $582, and liability coverage is $624. Liability-only coverage costs around $710 a year, with high-risk coverage costing around $3,782. 16-year-old drivers receive the highest rates at $6,792 a year or more.
Average premium for full coverage: $1,740
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and ID4 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $710 for minimum levels of liability insurance to a high of $3,782 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, 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.
Additional Rate Details
The chart below breaks down estimated Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,017
- Raising to $1,000 deductibles will save about $1,542 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,740
- Buying low $100 deductibles will cost $2,128
- Unlucky drivers with multiple tickets or accidents could pay at least $3,782 or more
- The cost with full coverage for a teenage driver can be $6,792
Car insurance rates for a Volkswagen ID4 can also vary considerably based on the trim level of your ID4, your driving characteristics, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $6,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $2,100 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $590 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $561 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Volkswagen ID4 insurance rates. A middle-age driver might find rates as low as $1,330 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,480 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.
| 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 Buy More Affordable Volkswagen ID4 Insurance
Saving money on auto insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a summary of the concepts that were touched on in this article.
- Drivers who have multiple accidents or major violations may pay on average $2,040 more every year than a low-risk driver
- Youthful drivers are the costliest to insure, as much as $566 per month if comprehensive and collision insurance is included
- You may be able to save up to $200 per year simply by quoting early and online
- Increasing deductibles could save up to $575 each year
- You may be able to save up to $200 per year simply by quoting early and online
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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