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...
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Volkswagen ID4 are $1,726 a year with full coverage. Comprehensive insurance costs approximately $286, collision insurance costs $558, and liability costs around $644. Liability-only insurance costs as low as $726 a year, and high-risk driver insurance costs $3,752 or more. Teens pay the most at up to $6,776 a year.
Average premium for full coverage: $1,726
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all ID4 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volkswagen ID4 range from as low as $726 for minimum levels of liability insurance to the much higher price of $3,752 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on 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 Details
The chart below details average Volkswagen ID4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,011
- Using higher $1,000 deductibles will save $192 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,726
- Selecting pricier low deductibles for physical damage coverage will cost an extra $372 annually
- High-risk insureds with serious driving violations could pay around $3,752
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost $6,776 or more
Insurance prices for a Volkswagen ID4 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $6,700 a year. View Rates by Age
Where you choose to live has a huge impact on Volkswagen ID4 insurance prices. A driver around age 40 might see prices as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $579 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,900 additional annually, depending on your age. Volkswagen ID4 insurance for high-risk drivers can be from 43% to 129% more than the average policy. View High Risk Driver Rates
| 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 Best Volkswagen ID4 Insurance
Finding better rates on insurance for a Volkswagen ID4 requires having a decent driving record, having a good credit history, being claim-free, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief recap of the data covered above.
- Insureds who purchase additional liability coverage will pay approximately $710 every year to increase from 30/60 bodily injury limits to 250/500 limits
- You may be able to save around $200 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $575 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $565 per month including comprehensive and collision insurance
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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