Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen ID4 are $1,726 annually for full coverage insurance. Comprehensive insurance costs around $286, collision insurance costs $558, and liability is estimated at $644. Liability-only insurance costs approximately $726 a year, and high-risk driver insurance costs $3,752 or more. Teen drivers cost the most to insure at up to $6,776 a year.
Average premium for full coverage: $1,726
Policy rates for type of insurance:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different ID4 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen ID4 insurance rates range from as cheap as $726 for just liability coverage to a much higher rate of $3,752 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
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 lowest rate with discounts is $1,011
- Choosing higher $1,000 deductibles can save about $192 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,726
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $372 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,752
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $6,776 each year
Auto insurance rates for a Volkswagen ID4 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $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 probably paying at least $2,000 to $2,900 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $570 annually, while increasing your policy's liability limits will increase rates. Switching 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 plays a big part in determining prices for Volkswagen ID4 insurance prices. A good driver about age 40 could pay as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
| 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 More Affordable Volkswagen ID4 Insurance
Finding cheaper rates on insurance for a Volkswagen ID4 takes having a good driving record, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least every other year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk who have multiple accidents or major violations pay on average $2,030 more every year to buy Volkswagen ID4 insurance
- It is possible to save up to $200 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Insureds who may need increased levels of liability coverage will pay about $710 annually to raise limits from a 30/60 limit to higher 250/500 limits
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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