How much is insurance on a Volkswagen ID.4?
A 2024 Volkswagen ID.4 runs about $1,920 a year for a typical 45-year-old, about the same as an average 2024 car: its claims are close to an average car's.
2024 Volkswagen ID.4, national average
about $1,920 a year (about $160 a month)
roughly $1,300–$2,750
An average 2024 car: about $1,940. An older Volkswagen ID.4 costs less (below).
Priced: the 2024 ID.4 (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Volkswagen ID.4, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $1,920 | about $1,000 | +$1,260 | about $5,500 |
| 2022 (4–7 years old) | about $1,810 | about $1,000 | +$1,190 | about $5,180 |
We list the Volkswagen ID.4 for 2021–2027. How much a car's age takes off is our own estimate.
The 2024 Volkswagen ID.4 runs from about $1,830 a year (ID.4 AWD Pro) to about $1,920 (ID.4 S): the claims data differs by drive, body, or powertrain.
- ID.4 AWD Pro; ID.4 AWD Pro S: about $1,830
- ID.4; ID.4 Pro; ID.4 Pro S; ID.4 S: about $1,920
The Volkswagen ID.4 for other drivers on their own policy, a year: 22–25, $2,490; 26–39, $2,130; 65 and older, $2,010.
Adding a 16-year-old with a Volkswagen ID.4
A new 16-year-old driving the Volkswagen ID.4 adds about $1,260 a year ($105 a month), about the same as with an average car.
For adding a teen, the Volkswagen ID.4 ranks 58th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Volkswagen ID.4 costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- about average
- Theft and weather
- much lower than average
- Damage to others
- about average
- Injuries to others
- about average
The part that fixes or replaces the Volkswagen ID.4: about $910, against $950 for an average 2024 car (4% less). The part that pays for harm to others: about $1,000, against $990 for an average car (about the same).
By the EPA's size classes it's a small SUV, and it's electric. The Highway Loss Data Institute groups it with midsize SUVs.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to “Volkswagen ID.4 electric 4dr” in HLDI's results.
Similar midsize SUVs
Among these 25 midsize SUVs, the Volkswagen ID.4 is the 3rd most expensive to insure.
- 2024 Hyundai Palisadeabout $1,860 (about the same)
- 2024 Kia Sorentoabout $1,860 (about the same)
- 2024 Nissan Pathfinderabout $1,900 (about the same)
- 2024 Ford Mustang Mach-Eabout $1,910 (about the same)
- 2024 Volkswagen ID.4about $1,920 (this car)
- 2024 Jeep Grand Cherokeeabout $1,940 (about the same)
- 2024 Nissan Muranoabout $1,940 (about the same)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.