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 $1,740 a year for full coverage insurance. Comprehensive insurance costs an estimated $296, collision costs $582, and liability costs around $624. Buying just liability costs as low as $710 a year, with insurance for high-risk drivers costing $3,782 or more. 16-year-old drivers cost the most to insure at $6,792 a year or more.
Average premium for full coverage: $1,740
Policy rates broken down by type of insurance:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all ID4 models.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen ID4 insurance rates go from the low end price of $710 for just the minimum liability insurance to the much higher price of $3,782 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities.
The example below illustrates how where you live affects insurance prices.
The examples above illustrate why everyone should compare prices for a targeted area, instead of using 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.
Additional Rate Analysis
The chart below illustrates estimated Volkswagen ID4 insurance rates for other coverage scenarios.
- The best full coverage rate is $1,017
- Using higher $1,000 deductibles will save approximately $198 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,740
- Buying pricier low deductibles for physical damage coverage will cost an additional $388 every year
- Drivers with multiple tickets or accidents could pay up to $3,782 or more
- Policy cost that insures a teen driver for full coverage can cost as much as $6,792 or more
Insurance rates for a Volkswagen ID4 also range considerably based on the model of your ID4, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $2,100 to $2,900 extra every year, depending on your age. Volkswagen ID4 insurance for high-risk drivers can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $6,700 a year. View Rates by Age
Your home state has a huge impact on Volkswagen ID4 insurance prices. A driver around age 40 might see rates as low as $1,140 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,350 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,574 | -$166 | -9.5% |
| Alaska | $1,334 | -$406 | -23.3% |
| Arizona | $1,442 | -$298 | -17.1% |
| Arkansas | $1,740 | -$0 | 0.0% |
| California | $1,984 | $244 | 14.0% |
| Colorado | $1,662 | -$78 | -4.5% |
| Connecticut | $1,788 | $48 | 2.8% |
| Delaware | $1,970 | $230 | 13.2% |
| Florida | $2,174 | $434 | 24.9% |
| Georgia | $1,608 | -$132 | -7.6% |
| Hawaii | $1,248 | -$492 | -28.3% |
| Idaho | $1,178 | -$562 | -32.3% |
| Illinois | $1,298 | -$442 | -25.4% |
| Indiana | $1,312 | -$428 | -24.6% |
| Iowa | $1,176 | -$564 | -32.4% |
| Kansas | $1,652 | -$88 | -5.1% |
| Kentucky | $2,374 | $634 | 36.4% |
| Louisiana | $2,578 | $838 | 48.2% |
| Maine | $1,074 | -$666 | -38.3% |
| Maryland | $1,436 | -$304 | -17.5% |
| Massachusetts | $1,388 | -$352 | -20.2% |
| Michigan | $3,020 | $1,280 | 73.6% |
| Minnesota | $1,456 | -$284 | -16.3% |
| Mississippi | $2,082 | $342 | 19.7% |
| Missouri | $1,546 | -$194 | -11.1% |
| Montana | $1,868 | $128 | 7.4% |
| Nebraska | $1,372 | -$368 | -21.1% |
| Nevada | $2,086 | $346 | 19.9% |
| New Hampshire | $1,254 | -$486 | -27.9% |
| New Jersey | $1,946 | $206 | 11.8% |
| New Mexico | $1,542 | -$198 | -11.4% |
| New York | $1,834 | $94 | 5.4% |
| North Carolina | $1,002 | -$738 | -42.4% |
| North Dakota | $1,422 | -$318 | -18.3% |
| Ohio | $1,200 | -$540 | -31.0% |
| Oklahoma | $1,784 | $44 | 2.5% |
| Oregon | $1,594 | -$146 | -8.4% |
| Pennsylvania | $1,660 | -$80 | -4.6% |
| Rhode Island | $2,322 | $582 | 33.4% |
| South Carolina | $1,576 | -$164 | -9.4% |
| South Dakota | $1,468 | -$272 | -15.6% |
| Tennessee | $1,522 | -$218 | -12.5% |
| Texas | $2,094 | $354 | 20.3% |
| Utah | $1,288 | -$452 | -26.0% |
| Vermont | $1,190 | -$550 | -31.6% |
| Virginia | $1,042 | -$698 | -40.1% |
| Washington | $1,342 | -$398 | -22.9% |
| West Virginia | $1,596 | -$144 | -8.3% |
| Wisconsin | $1,206 | -$534 | -30.7% |
| Wyoming | $1,550 | -$190 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $590 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $561 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $320 | $600 | $584 | $1,742 |
| 2023 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2022 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
| 2021 Volkswagen ID4 | $286 | $558 | $644 | $1,726 |
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 Affordable Volkswagen ID4 Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Comparison shop once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
Below is a brief review of the data that was touched on in the above illustrations.
- It is possible to save approximately $200 per year simply by quoting online well ahead of the renewal date
- Policyholders who want higher levels of liability will pay around $690 annually to increase from a 30/60 limit to the 250/500 level
- Teenage drivers are charged the highest rates, possibly costing $566 each month if full coverage is included
- Higher risk drivers with DUI or reckless driving convictions may have to pay on average $2,040 more annually for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,792 |
| 20 | $4,052 |
| 30 | $1,796 |
| 40 | $1,740 |
| 50 | $1,596 |
| 60 | $1,566 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,128 |
| $250 | $1,948 |
| $500 | $1,740 |
| $1,000 | $1,542 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,740 |
| 50/100 | $1,865 |
| 100/300 | $2,021 |
| 250/500 | $2,426 |
| 100 CSL | $1,927 |
| 300 CSL | $2,270 |
| 500 CSL | $2,520 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,642 |
| 20 | $6,454 |
| 30 | $3,840 |
| 40 | $3,782 |
| 50 | $3,612 |
| 60 | $3,580 |
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 | $90 |
| Multi-vehicle | $94 |
| Homeowner | $28 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $74 |
| Advance Quote | $84 |
| Online Quote | $120 |
| Total Discounts | $723 |
Discounts are estimated and may not be available from every company or in every state.
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