Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a Volkswagen ID4 are $1,738 every 12 months including full coverage. Comprehensive insurance costs approximately $306 a year, collision costs $596, and liability coverage costs around $598. Liability-only coverage costs as low as $688 a year, with high-risk coverage costing $3,774 or more. 16-year-old drivers receive the highest rates at $6,742 a year or more.
Average premium for full coverage: $1,738
Rate estimates by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and ID4 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $688 for just the minimum liability insurance to a high of $3,774 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance prices.
These examples highlight why it is important to compare prices using their specific location and their own driving history, 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 Analysis
The chart below breaks down estimated Volkswagen ID4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,015
- Using higher $1,000 deductibles will save $1,534 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,738
- Buying low $100 deductibles for physical damage coverage costs an extra $400 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,774 or more
- The cost to insure a teenage driver can cost $6,742 or more
Car insurance rates for a Volkswagen ID4 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your ID4.
Opting for high physical damage deductibles could cut rates by as much as $610 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,600 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $6,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $2,100 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see rates as low as $1,330 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,480 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different.
| 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 Shop for Affordable Volkswagen ID4 Insurance
Saving money on auto insurance requires having a good driving record, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Make time to compare rates at every other renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The next list is a brief review of the concepts that were touched on in this article.
- Drivers with DUI or reckless driving convictions could be charged and average of $2,040 more per year to buy Volkswagen ID4 insurance
- Drivers age 20 and younger pay the highest auto insurance rates, as much as $562 per month if the policy includes full coverage
- You may be able to save around $200 per year simply by quoting early and online
- Increasing deductibles could save as much as $600 each year
- You may be able to save around $200 per year simply by quoting early and online
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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