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 costs on average $332 a year, collision costs $656, and liability insurance is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing around $3,356. 16-year-old drivers receive the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,544

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and A4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

These examples illustrate why it is important to get quotes based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $874
• Choosing higher $1,000 deductibles can save around $1,320 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,544
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,980
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,356 or more
• The cost for full coverage for a teen driver may cost $5,696 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $5,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,090 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $660 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates can be significantly different from one company to the next.

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 Low Cost Audi A4 Insurance

Saving money on Audi A4 insurance takes being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a review of the material that was touched on in the above illustrations.

• Drivers who require more liability protection will pay around $440 annually to raise limits from a minimum limit to 250/500 limits
• Youthful drivers pay higher rates, costing up to $475 per month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations pay an average of $1,810 more each year than a low-risk driver
• Increasing deductibles can save around $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