Volkswagen ID4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a Volkswagen ID4 are $1,740 annually including full coverage. Comprehensive insurance costs around $296, collision insurance costs $582, and liability costs around $624. Liability-only insurance costs as low as $710 a year, and high-risk driver insurance costs $3,782 or more. Teenage drivers pay the highest rates at up to $6,792 a year.

Average premium for full coverage: $1,740

Price estimates for individual coverage:

Comprehensive $296
Collision $582
Liability $624

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all ID4 models.

Price Range from Low to High

For an average driver, Volkswagen ID4 insurance prices range from as cheap as $710 for just liability insurance to the much higher price of $3,782 for a driver required to buy high-risk insurance.

Liability Only $710
Full Coverage $1,740
High Risk $3,782

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,305
Small Cities $1,827
Large Cities $2,349

The ranges above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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 Details

The chart below breaks down average Volkswagen ID4 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,017
  • Using higher $1,000 deductibles will save about $198 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,740
  • Using pricier low deductibles for physical damage coverage costs an additional $388 every year
  • Drivers who are prone to accidents and violations could pay at least $3,782
  • The price with full coverage for a teen driver for full coverage can be $6,792 or more

View Chart as Image

Volkswagen ID4 insurance cost comparison chart
Column chart showing Volkswagen ID4 insurance prices range from $1,017 to $6,792 for full coverage

Car insurance prices for a Volkswagen ID4 are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,600 a year for full coverage. Prices are much higher for teenage 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 have some driving violations or you caused a few accidents, you are likely paying at least $2,100 to $2,900 extra each year, depending on your age. Volkswagen ID4 insurance for high-risk drivers can be as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $590 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $561 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volkswagen ID4 insurance prices. A driver around age 40 might see prices as low as $1,330 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,480 on average in Michigan, New York, and Louisiana.

Volkswagen ID4 Insurance Rates by State
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%

View Chart as Image

Volkswagen ID4 insurance rates by U.S. city
Volkswagen ID4 Insurance Rates by Model Year
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 Buy the Best Volkswagen ID4 Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the data covered in the above illustrations.

  • Policyholders who may need increased liability limits will pay an extra $690 per year to increase from a low limit to higher 250/500 limits
  • You may be able to save up to $200 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $575 each year
  • Drivers under the age of 20 are the costliest to insure, possibly costing $566 a month if comprehensive and collision insurance is included

Rates by Driver Age

Volkswagen ID4 Insurance 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

Volkswagen ID4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,128
$250 $1,948
$500 $1,740
$1,000 $1,542

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen ID4 Insurance Rates with Different Liability Limits
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

Volkswagen ID4 Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $1,017

Discounts are estimated and may not be available from every company or in every state.

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