Audi A4 Insurance Rates

Are Audi A4s expensive to insure? Audi A4 insurance rates can be expensive. The average insurance for an Audi A4 will cost $1,580 a year, or $131 a month.

Read our guide to learn how to save on a variety of Audi A4 model years, such as 2019 Audi A4 car insurance costs or 2002 Audi A4 insurance costs or Audi A4 insurance cost for a 17-year-old. By the end, you’ll be able to secure cheap car insurance rates for your Audi A4.

To start comparison shopping for affordable Audi A4 auto insurance rates, enter your ZIP code into our free tool above. You can review multiple quotes from Audi A4 auto insurance companies near you.

U.S. average insurance prices for an Audi A4 are $1,544 every 12 months including full coverage. Comprehensive costs approximately $332, collision costs $656, and liability insurance is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing around $3,356. Teen drivers pay the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,544

Price estimates by individual coverage:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different A4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down estimated Audi A4 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $874
• Choosing higher $1,000 deductibles can save $224 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,544
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,980
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,356 or more
• The price to insure a teen driver with full coverage can cost $5,696 each year

View Chart as Image

Insurance prices for an Audi A4 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your A4.

Choosing high deductibles can save as much as $660 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,180 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,200 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Low Cost Audi A4 Insurance

Getting lower rates on Audi A4 insurance takes having a good driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a review of the car insurance concepts touched on above.

• High-risk drivers who have several accidents or serious violations could be charged and average of $1,810 more per year to buy Audi A4 insurance
• You may be able to save around $190 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $650 each year
• Drivers who purchase increased levels of liability coverage will pay about $440 per year to raise limits from a low limit to a 250/500 level

Shopping for Audi auto insurance is the best way to save on Audi A4 auto insurance rates. Regardless of whether you are looking for 2019, 2018, 2012, 2014, or 2010 Audi A4 costs or Audi A4 insurance for a 16-year-old, as well as every model year in between, shopping for rates will help you save.

To find out how much is an Audi A4 insurance plan, enter your ZIP code in our free tool below.

What are the safety ratings of the Audi A4?

Great safety ratings and features help reduce rates, regardless of whether it is Audi A4 car insurance prices or Audi Quattro insurance. Some of the Audi A4s best safety features are brake assist, electronic stability control, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.

The 2020 Audi A4 sedan also has great crash test ratings from the Insurance Institute for Highway Safety (IIHS). See them below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The video below demonstrates one of the IIHS crash tests on the Audi A4.

The National Highway Traffic Safety Administration completed a crash test for the Audi A4. See the Audi A4 crash test results for past models in the table below.

Audi A4 Crash Test Ratings

A 5-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed very well.

Audi A4 Compared Against Other Vehicles in the Same Class

The Audi A4 is a midsize luxury car. Unfortunately, luxury vehicles tend to have higher rates. Luckily, the Insurance Institute for Highway Safety found that in comparison to other midsize luxury vehicles, the Audi A4’s liability insurance losses are better than average and substantially better than average.

See details about the Audi A4 auto insurance loss probability totals in the following table.

Audi A4 Insurance Loss Probability

The higher the number, the worse the loss ratio. While the collision loss ratios are substantially worse than average for this vehicle, all other categories have average or better than average ratios.

To see how the Audi A4’s rates compare to other midsize luxury cars’ rates, take a look at the cars below.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A5 Insurance Rates

To save on Audi A4 average car insurance costs, remember to shop around for everything from 2003 Audi A4 insurance rates to Audi A4 insurance for a 19-year-old.

Before you buy Audi A4 car insurance, make sure you are getting the best deal.

Enter your five-digit ZIP code into our free rate comparison tool to find cheap Audi A4 auto insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/audi/a4-4-door-sedan/2020