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VOLKSWAGEN ID.4 Car Insurance

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The Volkswagen ID.4 is a compact electric SUV designed for urban and suburban driving, offering solid range and a spacious cabin. It appeals to environmentally conscious drivers seeking a practical electric transition without sacrificing comfort.

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

Between 2021 and 2026, premiums for the Volkswagen ID.4 fluctuate significantly, moving from $1213 to a peak of $2723 in 2022, dropping to $1396 in 2023, then rising again to $1983 in 2025 before settling slightly at $1896 in 2026. This volatility reflects the fast-evolving electric vehicle market and associated repair costs.

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

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

Premiums for the ID.4 are highest in Montreal ($2923), Repentigny ($2622), and Gatineau ($2243), while Saint-Jean-sur-Richelieu ($1492) and Lévis ($1693) show the lowest amounts. This marked spread illustrates how strongly location influences insurance costs for this electric vehicle.

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 $2015.66
DRUMMONDVILLE $1837.15
GATINEAU $2108.75
LAVAL $1867.11
LÉVIS $1758.23
LONGUEUIL $1882.38
MONTRÉAL $2915.32
QUÉBEC $2014.17
REPENTIGNY $1738.10
Saguenay $1921.78
SAINT-JEAN-SUR-RICHELIEU $1492.18
SAINT-JÉRÔME $1800.04
SHERBROOKE $1720.03
TERREBONNE $1339.31
TROIS-RIVIÈRES $1820.87

VOLKSWAGEN ID.4 average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
VOLKSWAGEN ID.4 2025 $2315.74
VOLKSWAGEN ID.4 2024 $2014.28
VOLKSWAGEN ID.4 2023 $1664.77
VOLKSWAGEN ID.4 2022 $1632.23
VOLKSWAGEN ID.4 2021 $1490.93

Frequently asked questions (FAQ)

How much does auto insurance cost for a Volkswagen ID.4?
The average premium has varied significantly by year, reaching $1983 in 2025 and $1896 in 2026, after peaking at $2723 in 2022 and dipping to $1213 in 2021.
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, including electric vehicles.
Why did the ID.4 premium fluctuate so much between 2021 and 2026?
The electric vehicle market is evolving quickly, with unstable parts and repair costs. The premium rose from $1213 in 2021 to $2723 in 2022, before settling around $1900 by 2026.
Which cities offer the lowest ID.4 insurance costs?
Based on the data provided, Saint-Jean-sur-Richelieu ($1492) and Lévis ($1693) show the lowest average premiums for this model.
Why does Montreal show the highest ID.4 premium?
Montreal records the highest premium at $2923, likely due to urban density, traffic volume, and claim frequency associated with electric vehicles.
Do electric vehicles cost more to insure?
Often yes, due to expensive batteries and specialized parts. This may explain some of the increases seen in the ID.4's premium history.
How can I lower my premium for an ID.4?
Comparing quotes from several insurers and checking for electric vehicle discounts can help secure a more favorable premium.

Offers received by our customers on VOLKSWAGEN ID.4 cars

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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: 08/14/2026

Versions covered by this VOLKSWAGEN ID.4 page

The premiums above cover every version of the VOLKSWAGEN ID.4, so that each average rests on enough quotes. Here are the versions this page includes.

Version Model years
ID.4 4DR 2WD 2023 - 2025
ID.4 PRO 4DR 2WD 2021 - 2025
ID.4 PRO 4DR AWD 2021 - 2025
ID.4 PRO S 4DR 2WD 2021 - 2025
ID.4 PRO S 4DR AWD 2021 - 2025
ID.4 S 4DR 2WD 2024

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