2023 Volkswagen ID4 Car Insurance Calculator

See in real-time how different driver and vehicle factors affect the cost of insurance for a 2023 Volkswagen ID4. Adjust factors such as driving record, coverage levels, mileage driven, and vehicle usage. Instantly know if the change you make has positive or negative consequenses.

The average estimated car insurance premium for a 2023 Volkswagen ID4 is $2,366 per year, or about $197 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,366

Cost Per Month

$197

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Volkswagen ID4 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2023 Volkswagen ID4.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,366
Average Rate
Your Rate
$2,366

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2023 Volkswagen ID4 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Volkswagen ID4 is $2,366.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Volkswagen ID4 vs. the Small SUV Segment

The table below compares insurance rates for the 2023 Volkswagen ID4 against all other models in the small SUV segment. The Volkswagen ID4 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Volkswagen ID4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Volkswagen ID4.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Volkswagen ID4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$644
2Subaru Crosstrek$1,740-$626
3Nissan Kicks$1,744-$622
4Nissan Rogue Sport$1,776-$590
5Mazda CX-5$1,794-$572
6Buick Encore$1,814-$552
7Buick Envision$1,822-$544
8Kia Seltos$1,844-$522
9Hyundai Venue$1,854-$512
10Honda HR-V$1,886-$480
11Hyundai Kona$1,910-$456
12Subaru Forester$1,926-$440
13Honda CR-V$1,932-$434
14Mazda CX-30$1,936-$430
15Chevrolet Trax$1,950-$416
16Volkswagen Tiguan$1,978-$388
17Ford Bronco Sport$1,984-$382
18Fiat 500X$2,018-$348
19Kia Soul$2,022-$344
20GMC Terrain$2,024-$342
21Mitsubishi Eclipse Cross$2,034-$332
22Chevrolet Equinox$2,048-$318
23Toyota Corolla Cross$2,056-$310
24Volkswagen Taos$2,062-$304
25Mazda CX-50$2,064-$302
2023 Small SUV Average$2,073-$293
26Hyundai Tucson$2,082-$284
27Ford Escape$2,086-$280
28Nissan Rogue$2,094-$272
29Kia Niro$2,110-$256
30Toyota RAV4$2,112-$254
31Mazda MX-30$2,116-$250
32Mini Cooper$2,126-$240
33Jeep Compass$2,130-$236
34Mini Cooper Clubman$2,162-$204
35Jeep Renegade$2,192-$174
36Chevrolet Bolt$2,206-$160
37Toyota bz4X$2,216-$150
38Hyundai Ioniq 5$2,260-$106
39Kia Sportage$2,270-$96
40Mini Cooper Countryman$2,338-$28
41Mitsubishi Mirage$2,340-$26
42Mitsubishi Outlander$2,352-$14
43Volkswagen ID4$2,366--
44Kia EV6$2,416$50
45Dodge Hornet$2,418$52
46Hyundai Nexo$2,508$142
47Ford Mustang Mach-E$2,576$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 ID4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Volkswagen ID4.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Volkswagen ID4 Insurance Rates by Trim Level
2023 Volkswagen ID4 Trim Level Annual Premium Cost Per Month
Standard$2,182$182
Pro$2,300$192
S$2,300$192
Pro AWD$2,376$198
Pro S$2,396$200
Pro S Plus$2,438$203
Pro S AWD$2,456$205
Pro S Plus AWD$2,490$208

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Volkswagen ID4 for different driver ages.

2023 Volkswagen ID4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,359$697
17$8,131$678
18$7,353$613
19$6,668$556
20$5,123$427
21$4,887$407
22$4,385$365
23$3,576$298
24$3,390$283
25$2,750$229
30$2,530$211
35$2,430$203
40$2,366$197
45$2,208$184
50$2,090$174
55$1,952$163
60$1,958$163
65$2,088$174
70$2,242$187
75$2,622$219
80$3,230$269

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Volkswagen ID4 trim levels.