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Volkswagen ID4 insurance rates

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The Volkswagen ID4 is an SUV that's expensive to insure. The expected average cost of auto insurance for the Volkswagen ID4 is $190 a month or $2,280 a year. With a starting MSRP of $41,190, that makes the price-to-cost ratio 5.54%, compared to the national average of 3%. However, your actual cost may vary depending on your location, driving history, ID4 trim and options and other factors.

Get insurance quotes for your Volkswagen ID4

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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What factors affect insurance for the Volkswagen ID4?

Insurance rates for the Volkswagen ID4 are based on theft rates, vehicle performance, repair costs and other factors that vary between makes and models. Here’s how the ID4 compares to other vehicles.
  • Type of car. The Volkswagen ID4 is an SUV, which tend to be pricier to insure.
  • Theft. Theft rates for this car are unknown, which may increase the cost of insurance.
  • Repairs. Repairs for this car are average, which typically leads to average insurance premiums.
  • Safety ratings. This car has good safety ratings, which typically makes cars cheaper to insure.
  • Fuel type. Cars with electric engines are usually slightly more expensive to insure than other fuel types.
  • Trim. Generally, your insurance goes up when you opt for a pricier trim level or more features upgrades. Popular trim levels for this model include the Pro, 1st Edition, Pro S trim, depending on the model year.
  • Coverage. For an SUV, you might consider a policy with your state's required coverage with high liability limits plus collision and comprehensive coverage. And the more coverage you have, the higher your insurance rates.
  • Warranty. New ID4s come with a 4 years or 50,000 miles warranty from Volkswagen plus roadside assistance.
  • Manufacturer deals. Currently, Volkswagen is offering reduced prices on 36-month leases. You can also find other financing deals from by checking with your local dealer.

What discounts does the Volkswagen ID4 qualify for?

You could save money on car insurance for your Volkswagen ID4 if it comes equipped with certain safety features.
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount
  • Safety device discount

Volkswagen ID4 safety and reliability ratings

The Volkswagen ID4 scores unrated from the NHTSA, which means its safety is relatively unknown. However, models of this make generally have low safety ratings, which tends to drive up insurance rates. Cars with high safety ratings are usually cheaper to insure because they're easier to repair and safer in a car crash.

Compare the Volkswagen ID4 to similar cars

Find out how other Volkswagen models compare or explore vehicles similar to the ID4. Compare all car makes and models

Bottom line

The Volkswagen ID4 is an SUV with unknown theft rates and average maintenance, making it expensive to insure. Compare car insurance quotes to find the best price for the coverage you need for your Volkswagen ID4.
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