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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U.S. average auto insurance rates for a Volkswagen ID4 are $1,726 annually for full coverage insurance. Comprehensive costs on average $286 each year, collision costs $558, and liability costs around $644. A policy with just liability insurance costs as low as $726 a year, with coverage for high-risk drivers costing around $3,752. 16-year-old drivers pay the highest rates at $6,776 a year or more.
Average premium for full coverage: $1,726
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and ID4 models.
Price Range from Low to High
For an average driver, Volkswagen ID4 insurance prices go from as cheap as $726 for just liability coverage to a high rate of $3,752 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on insurance rates. Rural areas have fewer physical damage claims than congested cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate 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 estimated Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,011
- Using higher $1,000 deductibles will save around $192 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,726
- Buying low deductibles for physical damage coverage will cost $2,098
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,752 or more
- The price with full coverage for a 16-year-old driver may cost $6,776 or more
Insurance prices for a Volkswagen ID4 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $6,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $2,000 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $570 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $579 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Volkswagen ID4 insurance prices. A driver around age 40 might see prices as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite 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 Best Cheap Volkswagen ID4 Insurance
Getting lower rates on insurance for a Volkswagen ID4 requires being safe and accident-free, having a good credit history, not filing small claims, and bundling your home and auto policies. Take the time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a quick review of the material that was covered in the above illustrations.
- Insureds who require more liability protection will pay around $710 annually to increase from a low limit to higher 250/500 limits
- Youthful drivers pay the highest prices, as much as $565 a month including comprehensive and collision insurance
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,030 more each year than a low-risk driver
- Increasing physical damage deductibles could save up to $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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