Volkswagen ID4 Insurance Rates

Average insurance rates for a Volkswagen ID4 are $1,740 a year for full coverage insurance. Comprehensive costs on average $296, collision insurance costs $582, and liability costs around $624. Liability-only coverage costs as low as $710 a year, and high-risk coverage costs around $3,782. Teenage drivers receive the highest rates at up to $6,792 a year.

Average premium for full coverage: $1,740

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different ID4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices 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.

Rates by State, City, and Model

The chart below illustrates average Volkswagen ID4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,017
• Using higher $1,000 deductibles will save around $198 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,740
• Using more expensive low deductibles for physical damage coverage will increase the cost to $2,128
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,782
• The cost for full coverage for a 16-year-old driver with full coverage may cost $6,792 or more

View Chart as Image

Car insurance rates for a Volkswagen ID4 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $6,700 a year. View Rates by Age

Where you live has a huge impact on Volkswagen ID4 insurance prices. A driver around age 40 might see rates 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.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $561 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $2,100 to $2,900 extra per year, depending on your age. High-risk driver insurance can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Volkswagen ID4 Insurance

Saving money on insurance for a Volkswagen ID4 requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a summary of the material that was touched on above.

• Insureds who require more liability protection will pay an extra $690 annually to increase from a minimum limit to 250/500 limits
• Youthful drivers are expensive to insure, costing up to $566 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $2,040 more each year than a low-risk driver
• Increasing deductibles can save around $575 each year