Audi A4 Insurance Rates
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UPDATED: Mar 30, 2024
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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.
The average insurance prices for an Audi A4 are $1,554 every 12 months including full coverage. Comprehensive insurance costs around $346, collision costs $660, and liability coverage is $390. Liability-only insurance costs around $452 a year, with high-risk driver insurance costing $3,372 or more. Teen drivers cost the most to insure at $5,696 a year or more.
Average premium for full coverage: $1,554
Policy rates for type of insurance:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all A4 models.
Price Range Variability
For a 40-year-old driver, Audi A4 insurance rates go from the cheapest price of $452 for minimum levels of liability insurance to the much higher price of $3,372 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates how your location can change auto insurance rates.
The examples above highlight why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Audi A4 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $880
- Raising to $1,000 deductibles will save about $228 every year
- The average price for a good driver age 40 using $500 deductibles is $1,554
- Choosing pricier low deductibles costs an extra $446 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,372 or more
- Policy cost to insure a teenage driver for full coverage can be $5,696
Auto insurance rates for an Audi A4 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing high deductibles can reduce rates by up to $680 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,800 to $2,500 in extra premium every year, depending on your age. Audi A4 insurance for high-risk drivers is expensive and can cost around 44% to 129% more than average. View High Risk Driver Rates
Your home state also has a big influence on Audi A4 insurance rates. A middle-age driver might find rates as low as $1,190 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,220 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,406 | -$148 | -9.5% |
Alaska | $1,192 | -$362 | -23.3% |
Arizona | $1,290 | -$264 | -17.0% |
Arkansas | $1,554 | -$0 | 0.0% |
California | $1,772 | $218 | 14.0% |
Colorado | $1,486 | -$68 | -4.4% |
Connecticut | $1,598 | $44 | 2.8% |
Delaware | $1,762 | $208 | 13.4% |
Florida | $1,946 | $392 | 25.2% |
Georgia | $1,436 | -$118 | -7.6% |
Hawaii | $1,116 | -$438 | -28.2% |
Idaho | $1,052 | -$502 | -32.3% |
Illinois | $1,158 | -$396 | -25.5% |
Indiana | $1,170 | -$384 | -24.7% |
Iowa | $1,050 | -$504 | -32.4% |
Kansas | $1,478 | -$76 | -4.9% |
Kentucky | $2,122 | $568 | 36.6% |
Louisiana | $2,302 | $748 | 48.1% |
Maine | $960 | -$594 | -38.2% |
Maryland | $1,284 | -$270 | -17.4% |
Massachusetts | $1,244 | -$310 | -19.9% |
Michigan | $2,702 | $1,148 | 73.9% |
Minnesota | $1,302 | -$252 | -16.2% |
Mississippi | $1,862 | $308 | 19.8% |
Missouri | $1,378 | -$176 | -11.3% |
Montana | $1,670 | $116 | 7.5% |
Nebraska | $1,226 | -$328 | -21.1% |
Nevada | $1,864 | $310 | 19.9% |
New Hampshire | $1,120 | -$434 | -27.9% |
New Jersey | $1,738 | $184 | 11.8% |
New Mexico | $1,378 | -$176 | -11.3% |
New York | $1,638 | $84 | 5.4% |
North Carolina | $896 | -$658 | -42.3% |
North Dakota | $1,274 | -$280 | -18.0% |
Ohio | $1,074 | -$480 | -30.9% |
Oklahoma | $1,596 | $42 | 2.7% |
Oregon | $1,424 | -$130 | -8.4% |
Pennsylvania | $1,484 | -$70 | -4.5% |
Rhode Island | $2,076 | $522 | 33.6% |
South Carolina | $1,410 | -$144 | -9.3% |
South Dakota | $1,312 | -$242 | -15.6% |
Tennessee | $1,362 | -$192 | -12.4% |
Texas | $1,874 | $320 | 20.6% |
Utah | $1,150 | -$404 | -26.0% |
Vermont | $1,064 | -$490 | -31.5% |
Virginia | $932 | -$622 | -40.0% |
Washington | $1,200 | -$354 | -22.8% |
West Virginia | $1,426 | -$128 | -8.2% |
Wisconsin | $1,078 | -$476 | -30.6% |
Wyoming | $1,386 | -$168 | -10.8% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Audi A4 2.0T Quattro Premium Turbo Station Wagon | $1,498 | $125 |
Audi A4 2.0T Premium Turbo 4-Dr Sedan | $1,480 | $123 |
Audi A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $1,480 | $123 |
Audi A4 2.0T Quattro Premium Plus Turbo Station Wagon | $1,540 | $128 |
Audi A4 2.0T Premium Plus Turbo 4-Dr Sedan | $1,524 | $127 |
Audi A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $1,524 | $127 |
Audi A4 2.0T Quattro Premium Plus 4-Dr Sedan | $1,524 | $127 |
Audi A4 2.0T Quattro Prestige Turbo Station Wagon | $1,584 | $132 |
Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $1,610 | $134 |
Audi A4 2.0T Quattro Prestige 4-Dr Sedan | $1,610 | $134 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Audi A4 | $362 | $688 | $372 | $1,580 |
2023 Audi A4 | $346 | $660 | $390 | $1,554 |
2022 Audi A4 | $332 | $656 | $398 | $1,544 |
2021 Audi A4 | $320 | $640 | $416 | $1,534 |
2020 Audi A4 | $310 | $612 | $430 | $1,510 |
2019 Audi A4 | $292 | $592 | $442 | $1,484 |
2018 Audi A4 | $282 | $548 | $452 | $1,440 |
2017 Audi A4 | $270 | $516 | $456 | $1,400 |
2016 Audi A4 | $258 | $464 | $460 | $1,340 |
2015 Audi A4 | $242 | $426 | $460 | $1,286 |
2014 Audi A4 | $234 | $400 | $464 | $1,256 |
2013 Audi A4 | $228 | $374 | $474 | $1,234 |
2012 Audi A4 | $210 | $346 | $474 | $1,188 |
2011 Audi A4 | $206 | $314 | $478 | $1,156 |
2010 Audi A4 | $192 | $288 | $474 | $1,112 |
2009 Audi A4 | $180 | $262 | $474 | $1,074 |
2008 Audi A4 | $174 | $234 | $468 | $1,034 |
2007 Audi A4 | $172 | $230 | $460 | $1,020 |
2006 Audi A4 | $168 | $218 | $452 | $996 |
2005 Audi A4 | $154 | $208 | $446 | $966 |
Rates are averaged for all Audi A4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Audi A4 Insurance
Finding cheaper rates on auto insurance consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a review of the data that was illustrated above.
- You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
- Consumers who may need an increased level of liability coverage will pay about $430 per year to raise from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $475 each month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations could be forced to pay on average $1,820 more every year than a safer driver
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.
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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 RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 Audi A4 allroad SW AWD | N/R | N/R | 5 stars | N/R |
2020 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
2020 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
2019 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
2019 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
2018 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
2018 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
2017 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
2017 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
2016 Audi A4 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
2016 Audi A4 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
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 ProbabilityInsurance Coverage Category | Loss Rate |
---|---|
Collision | 79% |
Property Damage | 7% |
Comprehensive | 3% |
Personal Injury | -20% |
Medical Payment | 12% |
Bodily Injury | 0% |
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.
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
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,696 |
20 | $3,598 |
30 | $1,630 |
40 | $1,554 |
50 | $1,418 |
60 | $1,392 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,000 |
$250 | $1,794 |
$500 | $1,554 |
$1,000 | $1,326 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,554 |
50/100 | $1,688 |
100/300 | $1,786 |
250/500 | $2,039 |
100 CSL | $1,727 |
300 CSL | $1,942 |
500 CSL | $2,098 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $8,154 |
20 | $5,728 |
30 | $3,454 |
40 | $3,372 |
50 | $3,214 |
60 | $3,188 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $84 |
Multi-vehicle | $81 |
Homeowner | $22 |
5-yr Accident Free | $120 |
5-yr Claim Free | $101 |
Paid in Full/EFT | $75 |
Advance Quote | $79 |
Online Quote | $112 |
Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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