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 prices for a Volkswagen ID4 are $1,726 every 12 months including full coverage. Comprehensive insurance costs an estimated $286 a year, collision insurance costs $558, and liability insurance is $644. Liability-only insurance costs around $726 a year, and high-risk driver insurance costs $3,752 or more. Teen drivers pay the highest rates at up to $6,776 a year.
Average premium for full coverage: $1,726
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and ID4 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen ID4 insurance prices range from the cheapest price of $726 for basic liability insurance to a high of $3,752 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.
The ranges above highlight why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on price 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.
Rate Comparisons
The chart below breaks down average Volkswagen ID4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,011
- Raising to $1,000 deductibles will save approximately $1,534 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,726
- Choosing low $100 deductibles costs an extra $372 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,752
- The price to insure a teen driver can cost as much as $6,776
Car insurance prices for a Volkswagen ID4 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $570 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $579 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $6,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $2,000 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 129% more than average. 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 $1,320 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,460 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,560 | -$166 | -9.6% |
| Alaska | $1,324 | -$402 | -23.3% |
| Arizona | $1,430 | -$296 | -17.1% |
| Arkansas | $1,726 | -$0 | 0.0% |
| California | $1,968 | $242 | 14.0% |
| Colorado | $1,648 | -$78 | -4.5% |
| Connecticut | $1,772 | $46 | 2.7% |
| Delaware | $1,952 | $226 | 13.1% |
| Florida | $2,156 | $430 | 24.9% |
| Georgia | $1,592 | -$134 | -7.8% |
| Hawaii | $1,238 | -$488 | -28.3% |
| Idaho | $1,170 | -$556 | -32.2% |
| Illinois | $1,288 | -$438 | -25.4% |
| Indiana | $1,302 | -$424 | -24.6% |
| Iowa | $1,166 | -$560 | -32.4% |
| Kansas | $1,640 | -$86 | -5.0% |
| Kentucky | $2,352 | $626 | 36.3% |
| Louisiana | $2,558 | $832 | 48.2% |
| Maine | $1,066 | -$660 | -38.2% |
| Maryland | $1,424 | -$302 | -17.5% |
| Massachusetts | $1,378 | -$348 | -20.2% |
| Michigan | $2,994 | $1,268 | 73.5% |
| Minnesota | $1,446 | -$280 | -16.2% |
| Mississippi | $2,066 | $340 | 19.7% |
| Missouri | $1,532 | -$194 | -11.2% |
| Montana | $1,854 | $128 | 7.4% |
| Nebraska | $1,362 | -$364 | -21.1% |
| Nevada | $2,066 | $340 | 19.7% |
| New Hampshire | $1,242 | -$484 | -28.0% |
| New Jersey | $1,928 | $202 | 11.7% |
| New Mexico | $1,530 | -$196 | -11.4% |
| New York | $1,816 | $90 | 5.2% |
| North Carolina | $992 | -$734 | -42.5% |
| North Dakota | $1,412 | -$314 | -18.2% |
| Ohio | $1,190 | -$536 | -31.1% |
| Oklahoma | $1,770 | $44 | 2.5% |
| Oregon | $1,580 | -$146 | -8.5% |
| Pennsylvania | $1,646 | -$80 | -4.6% |
| Rhode Island | $2,302 | $576 | 33.4% |
| South Carolina | $1,562 | -$164 | -9.5% |
| South Dakota | $1,458 | -$268 | -15.5% |
| Tennessee | $1,510 | -$216 | -12.5% |
| Texas | $2,078 | $352 | 20.4% |
| Utah | $1,276 | -$450 | -26.1% |
| Vermont | $1,180 | -$546 | -31.6% |
| Virginia | $1,034 | -$692 | -40.1% |
| Washington | $1,332 | -$394 | -22.8% |
| West Virginia | $1,582 | -$144 | -8.3% |
| Wisconsin | $1,196 | -$530 | -30.7% |
| Wyoming | $1,536 | -$190 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2023 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
| 2022 Volkswagen ID4 | $286 | $558 | $644 | $1,726 |
| 2021 Volkswagen ID4 | $270 | $538 | $664 | $1,710 |
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 Cheap Volkswagen ID4 Insurance
Getting lower rates on Volkswagen ID4 insurance consists of being a good driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a brief summary of the data that was touched on in this article.
- You may be able to save approximately $200 per year just by quoting early and online
- Drivers who want an increased level of liability coverage will pay about $710 per year to raise from a low limit to a 250/500 level
- Drivers age 16 to 20 have the highest car insurance prices, possibly costing $565 a month if the policy includes full coverage
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $2,030 more annually than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,776 |
| 20 | $4,018 |
| 30 | $1,778 |
| 40 | $1,726 |
| 50 | $1,582 |
| 60 | $1,552 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,098 |
| $250 | $1,926 |
| $500 | $1,726 |
| $1,000 | $1,534 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,726 |
| 50/100 | $1,855 |
| 100/300 | $2,016 |
| 250/500 | $2,434 |
| 100 CSL | $1,919 |
| 300 CSL | $2,273 |
| 500 CSL | $2,531 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,610 |
| 20 | $6,400 |
| 30 | $3,806 |
| 40 | $3,752 |
| 50 | $3,586 |
| 60 | $3,552 |
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 | $89 |
| Multi-vehicle | $93 |
| Homeowner | $28 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $73 |
| Advance Quote | $83 |
| Online Quote | $119 |
| Total Discounts | $715 |
Discounts are estimated and may not be available from every company or in every state.
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