VOLKSWAGEN ID.4 Car Insurance

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The Volkswagen ID.4 is a fully electric SUV combining modern styling, generous interior space, and everyday-friendly range. It appeals to drivers looking to switch to electric without sacrificing the space or comfort of a versatile family vehicle.

VOLKSWAGEN ID.4 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the Volkswagen ID.4 fluctuate notably, rising from $1173 to a peak of $2723 in 2022, then gradually settling between $1829 and $1983 from 2024 to 2025, before easing slightly to $1890 in 2026. This volatility reflects adjustments typical of a still relatively recent electric vehicle.

To find the best insurance for your VOLKSWAGEN ID.4 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your VOLKSWAGEN ID.4

How much does insurance for your VOLKSWAGEN ID.4 cost in Quebec?

Premiums for the ID.4 are highest in Montreal ($2984), Saint-Jérôme ($2286), and Brossard ($2272), while Sherbrooke ($1642) and Lévis ($1745) show the lowest amounts. Other cities fall within an intermediate range between $1800 and $2100.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$2271.89
DRUMMONDVILLE	$1840.89
GATINEAU	$2406.36
LAVAL	$1869.55
LÉVIS	$1693.07
LONGUEUIL	$1962.10
MONTRÉAL	$2984.37
QUÉBEC	$2035.48
REPENTIGNY	$1798.14
Saguenay	$1921.78
SAINT-JEAN-SUR-RICHELIEU	$1530.81
SAINT-JÉRÔME	$2285.66
SHERBROOKE	$1620.45
TERREBONNE	$1791.30
TROIS-RIVIÈRES	$1728.16

Frequently asked questions (FAQ)

How much does insurance cost for a Volkswagen ID.4?

The average premium for a Volkswagen ID.4 varies by year, reaching $1890 in 2026, after $1983 in 2025 and a peak of $2723 in 2022.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Why did the ID.4's premium fluctuate so much between 2021 and 2026?

Electric vehicles like the ID.4 experience premium adjustments tied to high battery and specialized parts costs, explaining the $2723 peak in 2022 before stabilizing.

Which cities offer the lowest ID.4 insurance premiums?

Based on the data, Sherbrooke ($1642) and Lévis ($1745) post the lowest average premiums for this model.

Why does Montreal show the highest premium for the ID.4?

With an average premium of $2984, Montreal stands out clearly from other cities due to urban density, traffic volume, and higher claim frequency in dense areas.

Do electric vehicles cost more to insure than an equivalent gas vehicle?

Often yes, due to the high cost of batteries and specialized parts, though this varies by model and chosen insurer.

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 07/13/2026

Model version by year

Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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