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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U.S. average insurance prices for a Volkswagen ID4 are $1,740 every 12 months for full coverage insurance. Comprehensive costs around $296 each year, collision costs $582, and liability coverage costs $624. Liability-only coverage costs as little as $710 a year, with high-risk coverage costing around $3,782. Teenage drivers pay the highest rates at $6,792 a year or more.
Average premium for full coverage: $1,740
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and ID4 models.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen ID4 insurance prices go from the cheapest price of $710 for liability-only coverage to a high rate of $3,782 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why all drivers should compare rates for a specific zip code and their own driving history, rather than 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.
Additional Charts and Tables
The chart below illustrates estimated Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,017
- Drivers who choose higher $1,000 deductibles will pay about $198 each year
- The average price for the average middle-age driver using $500 deductibles is $1,740
- Using low deductibles for comprehensive and collision insurance increases the price to $2,128
- High-risk insureds who are prone to accidents and violations could pay at least $3,782 or more
- The price to insure a teenage driver can be $6,792 a year
Auto insurance prices for a Volkswagen ID4 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles could save up to $590 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $561 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $6,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $2,100 to $2,900 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Volkswagen ID4 insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,350 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different.
| 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 Shop for Affordable Volkswagen ID4 Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief review of the data touched on in this article.
- Consumers who may need increased liability limits will pay an extra $690 annually to go from a low limit to a 250/500 level
- It is possible to save up to $200 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $575 each year
- Drivers under the age of 20 are expensive to insure, as much as $566 a month if comprehensive and collision insurance is included
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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