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.

Average insurance rates for an Audi A4 are $1,544 a year for full coverage insurance. Comprehensive insurance costs an estimated $332 each year, collision costs $656, and liability costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing $3,356 or more. Teens receive the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,544

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and A4 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

These examples illustrate why all drivers should compare rates for a targeted area, instead of using averaged prices.

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

Additional Rate Information

The chart below illustrates estimated Audi A4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $874
• Drivers who choose higher $1,000 deductibles will pay approximately $224 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,544
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $436 every year
• Higher-risk drivers with serious driving violations could pay up to $3,356 or more
• The cost that insures a teen driver can cost as much as $5,696 a year

View Chart as Image

Insurance rates for an Audi A4 can also vary considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $5,600 a year. View Rates by Age

Where you live makes a big difference in Audi A4 insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,090 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $660 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, so the rates can be significantly 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 Find Cheaper Audi A4 Insurance

Saving money on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a condensed summary of the material that was raised in the charts and tables above.

• Policyholders who want increased levels of liability coverage will pay approximately $440 annually to go from a minimum limit to the 250/500 level
• Drivers age 20 and younger are charged the highest rates, costing up to $475 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,810 more annually to buy Audi A4 insurance
• Increasing deductibles can save approximately $650 each year

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