Volkswagen ID4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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U.S. average insurance rates for a Volkswagen ID4 are $1,726 a year for full coverage. Comprehensive insurance costs on average $286 each year, collision insurance costs $558, and liability costs $644. A policy with just liability insurance costs as little as $726 a year, and coverage for high-risk drivers costs $3,752 or more. Teenage drivers pay the highest rates at up to $6,776 a year.
Average premium for full coverage: $1,726
Price estimates by individual coverage:
Prices are based on $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and ID4 models.
Price Range from Low to High
For a driver around age 40, Volkswagen ID4 insurance prices range from as low as $726 for basic liability insurance to a high rate of $3,752 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above show why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below shows average Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,011
- Drivers who choose higher $1,000 deductibles will pay around $192 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,726
- Using low deductibles for comprehensive and collision insurance will cost an extra $372 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,752
- The price for full coverage for a 16-year-old driver may cost $6,776 a year
Insurance prices for a Volkswagen ID4 are also quite variable based on your driving record, the trim level of your ID4, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $6,700 a year. View Rates by Age
The state you live in makes a big difference in Volkswagen ID4 insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,460 on average in Michigan, Louisiana, 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 could save up to $570 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $579 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,000 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers can cost 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 Affordable Volkswagen ID4 Insurance
Getting lower rates on insurance for a Volkswagen ID4 not only requires not taking risks behind the wheel, but also maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The following is a brief review of the coverage data covered above.
- Drivers can save as much as $200 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $575 each year
- Teens pay the highest prices, with premiums as much as $565 a month for full coverage
- Drivers considered higher risk with DUI or reckless driving convictions will pay on average $2,030 more each year for ID4 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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