Volkswagen ID4 Insurance Rates

Average insurance rates for a Volkswagen ID4 are $1,738 a year for full coverage insurance. Comprehensive insurance costs on average $306 each year, collision insurance costs $596, and liability coverage costs around $598. Liability-only coverage costs as low as $688 a year, and high-risk coverage costs $3,774 or more. Teens receive the highest rates at up to $6,742 a year.

Average premium for full coverage: $1,738

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and ID4 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.

These examples illustrate why all drivers should compare prices based on a specific location and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Volkswagen ID4 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $1,015
• Using higher $1,000 deductibles will save around $204 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,738
• Selecting low deductibles for physical damage coverage will cost an extra $400 each year
• Higher-risk drivers with serious driving violations could pay upwards of $3,774
• The cost for full coverage for a teenage driver may cost $6,742 or more

View Chart as Image

Car insurance rates for a Volkswagen ID4 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,600 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $6,700 a year. View Rates by Age

Where you live has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see rates 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $610 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $2,100 to $2,900 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find Affordable Volkswagen ID4 Insurance

Saving money on auto insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every time your policy renews by getting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief review of the information touched on in this article.

• It is possible to save as much as $200 per year just by quoting online in advance
• Drivers age 16 to 20 are expensive to insure, costing up to $562 per month if full coverage is included
• Increasing deductibles can save around $600 each year
• Drivers with DUI or reckless driving convictions pay an average of $2,040 more each year than a safer driver
• Consumers who require an increased level of liability coverage will pay approximately $660 annually to increase from a minimum limit to 250/500 limits