Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Volkswagen ID4 are $1,738 a year for full coverage. Comprehensive costs on average $306 each year, collision insurance costs $596, and liability coverage costs around $598. A policy with just liability insurance costs as low as $688 a year, and coverage for high-risk drivers costs around $3,774. 16-year-old drivers receive the highest rates at up to $6,742 a year.
Average premium for full coverage: $1,738
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and ID4 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $688 for minimum levels of liability insurance to a high rate of $3,774 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why all drivers should compare prices based on a specific location and risk profile, rather than 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 Details
The chart below shows average Volkswagen ID4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,015
- Using higher $1,000 deductibles will save around $204 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,738
- Buying low deductibles for physical damage coverage will increase the cost to $2,138
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,774
- The cost for full coverage for a teenage driver may cost $6,742 or more
Insurance rates for a Volkswagen ID4 can also vary considerably based on your driver profile, the trim level of your ID4, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,600 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $6,700 a year. View Rates by Age
Where you live has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see rates as low as $1,150 a year in states like Idaho, Maine, and Iowa, or at least $2,480 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,572 | -$166 | -9.6% |
| Alaska | $1,332 | -$406 | -23.4% |
| Arizona | $1,440 | -$298 | -17.1% |
| Arkansas | $1,738 | -$0 | 0.0% |
| California | $1,984 | $246 | 14.2% |
| Colorado | $1,660 | -$78 | -4.5% |
| Connecticut | $1,786 | $48 | 2.8% |
| Delaware | $1,966 | $228 | 13.1% |
| Florida | $2,174 | $436 | 25.1% |
| Georgia | $1,606 | -$132 | -7.6% |
| Hawaii | $1,248 | -$490 | -28.2% |
| Idaho | $1,180 | -$558 | -32.1% |
| Illinois | $1,296 | -$442 | -25.4% |
| Indiana | $1,312 | -$426 | -24.5% |
| Iowa | $1,176 | -$562 | -32.3% |
| Kansas | $1,652 | -$86 | -4.9% |
| Kentucky | $2,372 | $634 | 36.5% |
| Louisiana | $2,576 | $838 | 48.2% |
| Maine | $1,074 | -$664 | -38.2% |
| Maryland | $1,436 | -$302 | -17.4% |
| Massachusetts | $1,390 | -$348 | -20.0% |
| Michigan | $3,018 | $1,280 | 73.6% |
| Minnesota | $1,454 | -$284 | -16.3% |
| Mississippi | $2,082 | $344 | 19.8% |
| Missouri | $1,544 | -$194 | -11.2% |
| Montana | $1,868 | $130 | 7.5% |
| Nebraska | $1,372 | -$366 | -21.1% |
| Nevada | $2,082 | $344 | 19.8% |
| New Hampshire | $1,252 | -$486 | -28.0% |
| New Jersey | $1,942 | $204 | 11.7% |
| New Mexico | $1,542 | -$196 | -11.3% |
| New York | $1,832 | $94 | 5.4% |
| North Carolina | $1,002 | -$736 | -42.3% |
| North Dakota | $1,424 | -$314 | -18.1% |
| Ohio | $1,200 | -$538 | -31.0% |
| Oklahoma | $1,784 | $46 | 2.6% |
| Oregon | $1,594 | -$144 | -8.3% |
| Pennsylvania | $1,658 | -$80 | -4.6% |
| Rhode Island | $2,318 | $580 | 33.4% |
| South Carolina | $1,576 | -$162 | -9.3% |
| South Dakota | $1,466 | -$272 | -15.7% |
| Tennessee | $1,522 | -$216 | -12.4% |
| Texas | $2,094 | $356 | 20.5% |
| Utah | $1,286 | -$452 | -26.0% |
| Vermont | $1,190 | -$548 | -31.5% |
| Virginia | $1,042 | -$696 | -40.0% |
| Washington | $1,342 | -$396 | -22.8% |
| West Virginia | $1,594 | -$144 | -8.3% |
| Wisconsin | $1,204 | -$534 | -30.7% |
| Wyoming | $1,548 | -$190 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $610 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $538 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,100 to $2,900 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen ID4 | $336 | $626 | $558 | $1,758 |
| 2023 Volkswagen ID4 | $320 | $600 | $584 | $1,742 |
| 2022 Volkswagen ID4 | $306 | $596 | $598 | $1,738 |
| 2021 Volkswagen ID4 | $296 | $582 | $624 | $1,740 |
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 Cheaper Volkswagen ID4 Insurance
Saving money on auto insurance requires being a good driver, having a good credit history, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The following list is a condensed summary of the data covered above.
- Consumers who require an increased level of liability coverage will pay around $660 each year to increase from a minimum limit to 250/500 limits
- Drivers can save as much as $200 per year just by quoting online in advance
- Increasing deductibles can save around $600 each year
- Drivers age 16 to 20 pay higher rates, costing as high as $562 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,742 |
| 20 | $4,044 |
| 30 | $1,798 |
| 40 | $1,738 |
| 50 | $1,592 |
| 60 | $1,564 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,138 |
| $250 | $1,954 |
| $500 | $1,738 |
| $1,000 | $1,534 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,738 |
| 50/100 | $1,858 |
| 100/300 | $2,007 |
| 250/500 | $2,396 |
| 100 CSL | $1,917 |
| 300 CSL | $2,246 |
| 500 CSL | $2,486 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,570 |
| 20 | $6,434 |
| 30 | $3,834 |
| 40 | $3,774 |
| 50 | $3,606 |
| 60 | $3,572 |
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 | $93 |
| Homeowner | $27 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $75 |
| 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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