Volkswagen ID4 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Volkswagen ID4 are $1,738 every 12 months with full coverage. Comprehensive insurance costs an estimated $306 a year, collision costs $596, and liability coverage costs around $598. A policy with only liability insurance costs as low as $688 a year, with a high-risk policy costing $3,774 or more. 16-year-old drivers pay the most at $6,742 a year or more.
Average premium for full coverage: $1,738
Premium estimates broken down by type of coverage:
These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and ID4 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volkswagen ID4 go from the cheapest price of $688 for a discount liability-only rate to a high of $3,774 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why it is important to compare prices for a targeted area 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.
Rates by State, City, and Model
The chart below details estimated Volkswagen ID4 insurance rates for other coverage scenarios.
- The best full coverage rate is $1,015
- Using higher $1,000 deductibles will save approximately $1,534 annually
- The average price for a 40-year-old good driver who has $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 up to $3,774 or more
- An auto insurance policy to insure a teenage driver can cost as much as $6,742 or more
Car insurance prices for a Volkswagen ID4 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $610 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $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, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $6,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $2,100 to $2,900 extra annually, 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 choose to live has a huge impact on Volkswagen ID4 insurance rates. A driver around age 40 might see prices as low as $1,250 a year in states like Utah, Ohio, and New Hampshire, or at least $2,350 on average in New York, Michigan, and Florida.
| 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 such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be substantially 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 Cheap Volkswagen ID4 Insurance
Finding better rates on auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and not having any coverage lapses. Set aside time to compare rates every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the material that was covered above.
- Consumers who want more liability protection will pay around $660 every year to increase from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers have the highest car insurance prices, possibly costing $562 per month if the policy includes full coverage
- Drivers that tend to have accidents or serious violations may pay on average $2,040 more annually than a low-risk driver
- Increasing policy deductibles could save as much as $600 each year
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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