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 prices for an Audi A4 are $1,544 every 12 months for full coverage insurance. Comprehensive costs an estimated $332 a year, collision costs $656, and liability costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing around $3,356. Teenage drivers 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and A4 trim levels.

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 more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples illustrate why it is important to compare rates for a targeted area and their own driving history, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $874
• Drivers who choose higher $1,000 deductibles will pay approximately $1,320 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,544
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,980
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,356 or more
• The cost to insure a teen driver can cost as much as $5,696 a year

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Auto insurance rates for an Audi A4 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could save up to $660 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

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 be forced to pay as much as $2,090 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and quoted 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 Shop for the Best Audi A4 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief recap of the information covered in the above illustrations.

• It is possible to save approximately $190 per year simply by quoting early and online
• Youthful drivers are the costliest to insure, costing up to $475 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $650 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,810 more annually than a low-risk driver
• Policyholders who want more liability protection will pay an extra $440 annually to go from a minimum 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