About $1,302 a year for full coverage on a national average — 10% less than the $1,438 average car. Insurers rate the Volkswagen ID.4 at an index of 90 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Property damage — damage you cause to other property — carries this car's highest loss index at 98, while Comprehensive sits at 79. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 78 suvs we hold data for, the ID.4 ranks #31 from cheapest, below the class median of 94. Over 4 generations of data the index has climbed from 70 (2019-2021) to 91 (2022-2024). Calculated from 7 insurance-loss records.
Why a ID.4 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,302: Liability (BI + PD) $625 · Collision $365 · Comprehensive $156 · Other (UM / PIP) $156.
The ID.4 against its class
Every suvs we hold insurance data for, cheapest to insure first. The ID.4 is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (SUVs), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 94, roughly $1,352 a year.
How it changed by generation
Insurance-loss index of the ID.4 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The ID.4 has become more expensive to insure over time (+20 points).
What a ID.4 costs by state
Where you park matters as much as what you drive. The ID.4's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | ID.4 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Volkswagen ID.4
Volkswagen ID.4 insurance — frequently asked
How much is insurance for a Volkswagen ID.4?
About $1,302 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 90 applied to the US average premium.
Why is the ID.4 expensive or cheap to insure?
Its costliest area is Property damage (index 98), which covers damage you cause to other property. Insurers set premiums from claim history like this, not from the sticker price.
Is the ID.4 cheaper to insure than rivals?
It ranks #31 of 78 in the suvs class, where the median index is 94 against this car's 90. Cheaper rivals are listed in the chart above.
Does its safety rating lower the premium?
Not directly. The ID.4 holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same ID.4 can differ by hundreds between two drivers.