Several EVs later including plug-in EVs (PHEV) and a couple of BEVs (only battery), I have not found USAA insurance rates to be much higher than similar cost gas (ICE) vehicles.
It might be more an issue of purchase price (the Tesla model S starts around $75,000), or perhaps a model more likely to be stolen, or more likely to be driven hard. I doubt the ID.4 would fall into any of those categories. Of course it is a $40k+ car, so insurance will take possible replacement cost into account.
The traction battery (the high voltage battery) has such a long warranty these days, usually at least 8 years, I think it is less of a concern as to insurance.
It might be more an issue of purchase price (the Tesla model S starts around $75,000), or perhaps a model more likely to be stolen, or more likely to be driven hard. I doubt the ID.4 would fall into any of those categories. Of course it is a $40k+ car, so insurance will take possible replacement cost into account.
The traction battery (the high voltage battery) has such a long warranty these days, usually at least 8 years, I think it is less of a concern as to insurance.