Volkswagen ID4 Insurance Rates
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Michelle Robbins
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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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Estimated auto insurance rates for a Volkswagen ID4 are $1,726 annually with full coverage. Comprehensive costs an estimated $286, collision costs $558, and liability is estimated at $644. Liability-only coverage costs approximately $726 a year, with high-risk coverage costing around $3,752. Teen drivers pay the most at $6,776 a year or more.
Average premium for full coverage: $1,726
Premium estimates broken down by type of coverage:
Prices include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different ID4 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volkswagen ID4 go from as cheap as $726 for liability-only coverage to a much higher rate of $3,752 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using 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.
Additional Charts and Tables
The chart below details estimated Volkswagen ID4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,011
- Choosing higher $1,000 deductibles can save approximately $192 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,726
- Choosing more expensive low deductibles for comp and collision coverage will cost $2,098
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,752 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $6,776 each year
Insurance prices for a Volkswagen ID4 also have a wide range based on the model of your ID4, your driving record, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $6,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $2,000 to $2,900 extra annually, depending on your age. High-risk driver insurance ranges as much as 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $570 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $579 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Volkswagen ID4 insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,330 on average in New York, Michigan, 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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices will be substantially different between companies.
| 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 the Right Volkswagen ID4 Insurance
Finding better rates on car insurance takes not taking risks behind the wheel, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct companies, and also from several local insurance agents.
The following is a quick rundown of the information covered above.
- You may be able to save approximately $200 per year simply by shopping early and online
- Teens are charged the highest prices, possibly costing $565 per month including comprehensive and collision insurance
- Increasing policy deductibles could save up to $575 each year
- Higher risk drivers with reckless driving or DUI convictions pay on average $2,030 more annually for ID4 insurance
- Policyholders who want higher liability limits will pay about $710 every year to raise limits from 30/60 bodily injury limits 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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