Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Volkswagen ID4 are $1,726 a year with full coverage. Comprehensive insurance costs an estimated $286, collision costs $558, and liability insurance is $644. Liability-only coverage costs around $726 a year, with high-risk coverage costing $3,752 or more. Teenage drivers cost the most to insure at $6,776 a year or more.
Average premium for full coverage: $1,726
Policy rates broken down by type of insurance:
Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all ID4 models.
Price Range Variability
For a driver in their 40's, Volkswagen ID4 insurance rates go from as low as $726 for just liability insurance to the much higher price of $3,752 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.
The example below illustrates how location helps determine insurance prices.
The examples above demonstrate why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on 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 details estimated Volkswagen ID4 insurance rates for other coverage scenarios.
- The best discount rate is $1,011
- Raising to $1,000 deductibles will save approximately $192 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,726
- Using pricier low deductibles will cost an extra $372 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,752 or more
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $6,776
Insurance rates for a Volkswagen ID4 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $6,700 a year. View Rates by Age
Your home state also has a big influence on Volkswagen ID4 insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,330 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $570 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $579 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $2,000 to $2,900 additional every year, depending on your age. Volkswagen ID4 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.
| 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 Find the Cheapest Volkswagen ID4 Insurance
Finding cheaper rates on Volkswagen ID4 insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the data that was covered in the charts and tables above.
- You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
- Drivers who want more liability coverage will pay an extra $710 every year to raise from a 30/60 limit to 250/500 limits
- Teen drivers are expensive to insure, as much as $565 each month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents may pay on average $2,030 more annually to insure their ID4
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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