How much is insurance on a Volkswagen ID.4?

Priced for the 2024 ID.4, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Volkswagen ID.4's rank is the same in every state.

Why the Volkswagen ID.4 costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Volkswagen ID.4 electric 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 98 for crash repairs, 67 for non-crash damage, 103 for damage to others' property, and 101 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage2% better than average20th best of the 25 midsize SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average33% better than average3rd best of the 24 midsize SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage3% worse than average22nd best of the 25 midsize SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 1% more often than average17th best of the 21 midsize SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Volkswagen ID.4 comes out about 11% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 4% less than average: about $910 a year vs $950. On the liability side, damage to others and injury claims combine to about 2% worse than average. So that part is about 1% more than average: $1,000 a year vs $990.

How the math works

The Volkswagen ID.4 is an electric small SUV that HLDI benchmarks among midsize SUVs; on electric models like the ID.4, battery pack and sensor repair costs shape collision losses alongside low injury-claim frequency.

• Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “Volkswagen ID.4 electric 4dr” (HLDI, 2022–24 models).

A used Volkswagen ID.4, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 ID.4 (0–3 years old)	about $1,920	about $1,000	+$1,260	about $5,500
2022 ID.4 Pro (4–7 years old)	about $1,810	about $1,000	+$1,190	about $5,180

Our catalog covers the Volkswagen ID.4 across model years 2021–2027. Full coverage on a used 2022 ID.4 (4–7 years old) runs about $1,810 a year, $110 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $1,000 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Volkswagen ID.4 trims, full coverage goes from about $1,830 a year on the ID.4 AWD Pro to about $1,920 on the ID.4 S, because HLDI's loss results differ by body, drive, 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

On a policy of their own with a 2024 Volkswagen ID.4, a 22–25-year-old pays about $2,490 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,130, and a driver 65 and older about $2,010.

Adding a 16-year-old with a Volkswagen ID.4

Adding a new 16-year-old who drives the Volkswagen ID.4 raises the family bill by about $1,260 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,500 a year, so keeping them on the family policy saves about $4,230 a year.

For adding a teen driver, the Volkswagen ID.4 ranks 58th most expensive out of all 121 models we track. Stepping down to a used 2022 ID.4 (4–7 years old) brings the teen add-on to about $1,190 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Volkswagen ID.4 is the 3rd most expensive to insure. Right next to it are the Ford Mustang Mach-E (about $1,910 a year) and the Jeep Grand Cherokee (about $1,940).

• 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)

Photos from Wikimedia Commons contributors. Photo credits.

What a Volkswagen ID.4 costs in your state

In six sample states, a 2024 Volkswagen ID.4 runs from about $1,330 a year in Wisconsin through Montana, Pennsylvania, Arizona and Rhode Island to about $2,520 in New York:

• Wisconsinabout $1,330/yr · +$880 teen
• Montanaabout $1,580/yr · +$1,040 teen
• Pennsylvaniaabout $1,690/yr · +$1,120 teen
• Arizonaabout $2,000/yr · +$1,320 teen
• Rhode Islandabout $2,280/yr · +$1,500 teen
• New Yorkabout $2,520/yr · +$1,670 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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