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 with full coverage. Comprehensive costs on average $286 each year, collision costs $558, and liability coverage is estimated at $644. Buying just liability costs approximately $726 a year, with insurance for high-risk drivers costing around $3,752. Teenage drivers receive the highest rates at $6,776 a year or more.
Average premium for full coverage: $1,726
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and ID4 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $726 for a discount liability-only rate to a high rate of $3,752 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples demonstrate why all drivers should get quotes based on a specific location, 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.
Rates by State, City, and Model
The chart below details estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,011
- Choosing higher $1,000 deductibles can save around $192 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $1,726
- Using low deductibles for comp and collision coverage bumps up the cost to $2,098
- Drivers who are prone to accidents and violations could pay upwards of $3,752 or more
- The cost that insures a teenage driver may cost $6,776 each year
Auto insurance rates for a Volkswagen ID4 can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $2,000 to $2,900 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,600 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $6,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Volkswagen ID4 insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,330 on average in Florida, Michigan, and New York.
| 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 save as much as $570 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $579 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.
| 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 Cheap Volkswagen ID4 Insurance
Saving money on auto insurance takes avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief summary of the information covered above.
- You may be able to save as much as $200 per year simply by quoting online in advance
- Drivers under the age of 20 are charged the highest rates, with premiums as much as $565 per month if the policy includes full coverage
- Increasing deductibles can save approximately $575 each year
- Drivers that tend to have accidents or serious violations pay on average $2,030 more each year to insure a Volkswagen ID4
- Consumers who require increased liability limits will pay an extra $710 every year to raise limits from a minimum limit to the 250/500 level
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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