Volkswagen ID4 Insurance Rates
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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 for full coverage insurance. Comprehensive insurance costs on average $286 each year, collision costs $558, and liability insurance is estimated at $644. Liability-only insurance costs approximately $726 a year, with high-risk driver insurance costing $3,752 or more. Teen drivers cost the most to insure at $6,776 a year or more.
Average premium for full coverage: $1,726
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and ID4 models.
Price Range Variability
For a driver around age 40, Volkswagen ID4 insurance rates go from the low end price of $726 for minimum levels of liability insurance to a high rate of $3,752 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why all drivers should get quotes based on a specific location, rather than relying 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.
Additional Rate Details
The chart below illustrates estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,011
- Choosing higher $1,000 deductibles can save around $192 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,726
- Choosing low deductibles for comp and collision coverage will cost an additional $372 a year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,752 or more
- Policy cost that insures a teen driver may cost $6,776 each year
Auto insurance rates for a Volkswagen ID4 also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $2,000 to $2,900 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $6,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Volkswagen ID4 insurance rates. 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% |
Choosing high deductibles can save as much as $570 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $579 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates will be varied.
| 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 the Right Volkswagen ID4 Insurance
Finding cheaper rates on Volkswagen ID4 insurance takes having a decent driving record, maintaining a good credit score, being claim-free, and taking advantage of discounts. Shop around at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a quick rundown of the data covered above.
- Drivers who require additional liability coverage will pay about $710 annually to raise limits from a 30/60 limit to the 250/500 level
- It is possible to save as much as $200 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $575 each year
- 16 to 18-year-old drivers are charged the highest rates, possibly costing $565 each month if the policy includes full coverage
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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