Volkswagen ID.4 car insurance: cost and quotes

How much does it cost to insure a Volkswagen ID.4?

On average, Volkswagen ID.4 insurance costs $225 per month for full coverage and $67 per month for state minimum coverage. That's just 1 percent more than the national average cost of car insurance for non-EVs, and 29 percent less than full coverage for a leading EV like the Tesla Model Y.

Why is the Volkswagen ID.4 so affordable to insure compared to other EVs? A slightly lower vehicle value plays a role, reducing the cost of repairs after a collision. The ID.4 is also less likely to be a target for theft. However, keep in mind that the make and model of your vehicle is just one data point that insurers use to set your premiums — your age, driving record, location, credit history and more can all influence the price you'll pay to insure the ID.4 in most states.

Cheapest car insurance companies for a Volkswagen ID.4

Insurance premiums are highly personalized based on your unique risk profile, so the only way to find the cheapest car insurance company for your Volkswagen ID.4 is to compare rates based on your personal information. To get the process started, Bankrate analyzed average premium data from Quadrant Information Services for a sample driver profile and found the five carriers with the lowest rates, on average, for ID.4 owners.

How much does it cost to insure my Volkswagen ID.4?

Your Volkswagen ID.4 insurance costs depend on a variety of factors. The carriers listed below have some of the lowest average rates for Volkswagen ID.4 insurance out of top-rated national providers.

2023 ID.4 car insurance premium by carrier

Other car insurance coverage for a Volkswagen ID.4

The good news is that EVs don't require any specialized coverage. However, you may want to consider some of the following coverage options when building your policy:

• High liability limits: The minimum liability limits set by state law and baked into your policy by default often aren't enough to cover all your financial obligations if you're found responsible for injuries or property damage after a crash. Think about the assets you'd need to cover in the event of an at-fault collision and set your liability limits high enough to cover them.
• Full coverage: While it's only a requirement if your vehicle is financed or leased, a full coverage policy with comprehensive and collision is valuable financial protection for most drivers. Unless you can afford to replace your ID.4 out of pocket or go without it long-term, buying this coverage typically makes the most financial sense.
• Uninsured/underinsured motorist coverage: Even if it's not required by law in your state, consider adding uninsured and/or underinsured motorist coverage to your policy. With the number of drivers carrying insufficient liability coverage on the rise, this is a sound investment for most drivers.

How to get a Volkswagen ID.4 car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

• Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
• Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
• Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
• Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
• Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics: