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 $1,554 every 12 months including full coverage. Comprehensive insurance costs on average $346, collision costs $660, and liability coverage is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing $3,372 or more. 16-year-old drivers receive the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,554

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all A4 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how your location can change car insurance rates.

These examples highlight why everyone should compare rates quotes based on a specific location and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Audi A4 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $880
• Raising to $1,000 deductibles will save around $228 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,554
• Buying pricier low deductibles costs an extra $446 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,372 or more
• The cost to insure a teenage driver for full coverage may cost $5,696

View Chart as Image

Insurance rates for an Audi A4 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your A4.

Opting for high physical damage deductibles can reduce rates by up to $680 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 extra per year, depending on your age. Audi A4 insurance for high-risk drivers is expensive and can cost around 44% to 129% more than the average rate. View High Risk Driver Rates

Where you live 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 at least $2,220 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, 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 Shop for Affordable Audi A4 Insurance

Saving money on auto insurance consists of being safe and accident-free, having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the car insurance concepts illustrated above.

• Drivers with DUI or reckless driving convictions may pay on average $1,820 more each year than a low-risk driver
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $675 each year
• Consumers who require more liability protection will pay around $430 per year to raise 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