Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a Volkswagen ID4 are $1,726 a year for full coverage insurance. Comprehensive costs around $286 a year, collision insurance costs $558, and liability insurance costs $644. A policy with just liability insurance costs as little as $726 a year, and coverage for high-risk drivers costs around $3,752. Teenage drivers receive the highest rates at up to $6,776 a year.
Average premium for full coverage: $1,726
Rate estimates for individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and ID4 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $726 for just liability coverage to a high of $3,752 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.
These examples illustrate why it is important to compare rates for a specific zip code 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.
Detailed Rate Analysis
The chart below illustrates average Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,011
- Drivers who choose higher $1,000 deductibles will pay about $1,534 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,726
- Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,098
- High risk drivers who are prone to accidents and violations could pay at least $3,752
- The cost for full coverage for a teen driver can be $6,776 a year
Insurance rates for a Volkswagen ID4 can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $6,700 a year. View Rates by Age
Where you live makes a big difference in Volkswagen ID4 insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,330 on average in Michigan, New York, 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 could save up to $570 each year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $579 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $2,000 to $2,900 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
| 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 Best Volkswagen ID4 Insurance
Saving money on Volkswagen ID4 insurance not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by quoting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The items below are a brief recap of the data touched on in this article.
- Drivers who may need more liability coverage will pay an extra $710 annually to go from a minimum limit to 250/500 limits
- It is possible to save up to $200 per year just by quoting early and online
- Increasing deductibles can save around $575 each year
- Teen drivers are charged the highest rates, costing up to $565 per month including comprehensive and collision insurance
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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