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Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan Insurance Rates

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The average insurance rates for an Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan are $1,648 a year with full coverage. Comprehensive costs around $396 each year, collision costs $730, and liability coverage costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing around $3,562. Teen drivers cost the most to insure at $5,916 a year or more.

Annual premium for full coverage: $1,648

Policy rates for individual coverage:

Comprehensive $396
Collision $730
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Audi A4 Trim Level

For a driver in their 40's, Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan insurance rates go from as low as $430 for your basic liability-only policy to a high rate of $3,562 for a driver who has had serious violations or accidents.

Liability Only $430
Full Coverage $1,648
High Risk $3,562

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $1,236
Small Cities $1,730
Large Cities $2,225

These price differences demonstrate why all drivers should compare rates for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Cheapest Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan Insurance Rates

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Insurance rates for an Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan also range considerably based on your risk profile, the actual cash value of your A4, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,900 a year. View Rates by Age

Your home state makes a big difference in Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $750 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

View Chart as Image

Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan insurance cost comparison chart
Column chart showing Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan insurance prices range from $932 to $5,916 for full coverage

The chart above shows Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $932. Drivers who choose higher $1,000 deductibles will pay around $1,394. The average rate for a driver age 40 with no violations using $500 deductibles is $1,648. Using lower $100 deductibles for comp and collision coverage can cost as much as $2,144. High risk drivers could be charged around $3,562. The policy rate for full coverage insurance for a 16-year-old driver is $5,916.

Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,490 -$158 -9.6%
Alaska $1,264 -$384 -23.3%
Arizona $1,368 -$280 -17.0%
Arkansas $1,648 -$0 0.0%
California $1,878 $230 14.0%
Colorado $1,574 -$74 -4.5%
Connecticut $1,694 $46 2.8%
Delaware $1,866 $218 13.2%
Florida $2,062 $414 25.1%
Georgia $1,522 -$126 -7.6%
Hawaii $1,184 -$464 -28.2%
Idaho $1,114 -$534 -32.4%
Illinois $1,228 -$420 -25.5%
Indiana $1,240 -$408 -24.8%
Iowa $1,112 -$536 -32.5%
Kansas $1,566 -$82 -5.0%
Kentucky $2,248 $600 36.4%
Louisiana $2,438 $790 47.9%
Maine $1,016 -$632 -38.3%
Maryland $1,358 -$290 -17.6%
Massachusetts $1,318 -$330 -20.0%
Michigan $2,864 $1,216 73.8%
Minnesota $1,378 -$270 -16.4%
Mississippi $1,974 $326 19.8%
Missouri $1,462 -$186 -11.3%
Montana $1,770 $122 7.4%
Nebraska $1,298 -$350 -21.2%
Nevada $1,976 $328 19.9%
New Hampshire $1,188 -$460 -27.9%
New Jersey $1,842 $194 11.8%
New Mexico $1,458 -$190 -11.5%
New York $1,734 $86 5.2%
North Carolina $950 -$698 -42.4%
North Dakota $1,350 -$298 -18.1%
Ohio $1,138 -$510 -30.9%
Oklahoma $1,692 $44 2.7%
Oregon $1,508 -$140 -8.5%
Pennsylvania $1,572 -$76 -4.6%
Rhode Island $2,198 $550 33.4%
South Carolina $1,492 -$156 -9.5%
South Dakota $1,390 -$258 -15.7%
Tennessee $1,442 -$206 -12.5%
Texas $1,986 $338 20.5%
Utah $1,222 -$426 -25.8%
Vermont $1,126 -$522 -31.7%
Virginia $988 -$660 -40.0%
Washington $1,274 -$374 -22.7%
West Virginia $1,512 -$136 -8.3%
Wisconsin $1,142 -$506 -30.7%
Wyoming $1,468 -$180 -10.9%

View Chart as Image

Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,916
20 $3,798
30 $1,736
40 $1,648
50 $1,500
60 $1,472

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,144
$250 $1,914
$500 $1,648
$1,000 $1,394

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,648
50/100 $1,721
100/300 $1,812
250/500 $2,048
100 CSL $1,757
300 CSL $1,957
500 CSL $2,103

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $8,488
20 $6,036
30 $3,660
40 $3,562
50 $3,396
60 $3,364

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.

SR-22 Surcharge $231

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $89
Multi-vehicle $84
Homeowner $22
5-yr Accident Free $129
5-yr Claim Free $107
Paid in Full/EFT $81
Advance Quote $85
Online Quote $119
Total Discounts $716
Rate after discounts $932

Discounts are estimated and may not be available from every company or in every state.

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