Volkswagen ID4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Volkswagen ID4 are $1,726 a year with full coverage. Comprehensive costs around $286 a year, collision costs $558, and liability coverage is $644. Liability-only coverage costs around $726 a year, with high-risk coverage costing around $3,752. Teens cost the most to insure at $6,776 a year or more.
Average premium for full coverage: $1,726
Policy rates for type of insurance:
These estimates include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and ID4 trim levels.
Price Range Variability
For a 40-year-old driver, Volkswagen ID4 insurance rates go from as low as $726 for just the minimum liability insurance to a high of $3,752 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance rates.
The examples above demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.
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 Rate Analysis
The chart below details estimated Volkswagen ID4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,011
- Raising to $1,000 deductibles will save about $1,534 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,726
- Selecting low $100 deductibles will increase the cost to $2,098
- Unlucky drivers with serious driving violations could pay at least $3,752 or more
- Policy cost for full coverage for a teenage driver can be $6,776
Insurance rates for a Volkswagen ID4 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $6,700 a year. View Rates by Age
Your home state also has a big influence on Volkswagen ID4 insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 a year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $579 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $2,000 to $2,900 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company calculates rates differently, and rates will be varied from one company to the next.
| 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
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to shop around every couple of years by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a brief summary of the material that was illustrated above.
- Consumers who may need higher liability limits will pay approximately $710 every year to raise from a 30/60 limit to 250/500 limits
- Teens are charged the highest rates, as much as $565 each month including comprehensive and collision insurance
- Drivers that tend to have accidents or serious violations pay an average of $2,030 more every year for ID4 insurance
- Increasing comprehensive and collision deductibles can save around $575 each year
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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