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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen ID4 are $1,726 annually including full coverage. Comprehensive insurance costs an estimated $286, collision costs $558, and liability is $644. Liability-only insurance costs around $726 a year, with high-risk driver insurance 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:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all ID4 models.
Price Range Variability
For an average driver, Volkswagen ID4 insurance rates go from as cheap as $726 for liability-only coverage to the much higher price of $3,752 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates the effect of geographic area on insurance prices.
The examples above highlight why everyone should compare rates quotes for a targeted area 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.
Additional Charts and Tables
The chart below breaks down 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 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,726
- Using pricier low deductibles costs an additional $372 every year
- At-risk drivers who are prone to accidents and violations could pay up to $3,752 or more
- Policy cost with full coverage for a teen driver for full coverage can cost as much as $6,776
Auto insurance rates for a Volkswagen ID4 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may 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 without any violations or accidents they will have to pay at least $6,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $2,000 to $2,900 in extra premium every year, depending on your age. Volkswagen ID4 insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $570 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $579 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Volkswagen ID4 insurance prices. A middle-age driver might find rates as low as $1,320 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.
| 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 Buy the Best Cheap Volkswagen ID4 Insurance
Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a quick review of the data covered in the above illustrations.
- Policyholders who want more liability coverage will pay an extra $710 per year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Teen drivers are the costliest to insure, with premiums being up to $565 each month if full coverage is included
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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