Audi A4 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 30, 2024
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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 with full coverage. Comprehensive costs on average $332 a year, collision costs $656, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $3,356. Teen 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:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and A4 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $460 for liability-only coverage to a high of $3,356 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how geographic area affects car insurance rates.
These examples demonstrate why it is important to compare prices based on a specific location and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below details estimated Audi A4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $874
- Using higher $1,000 deductibles will save around $1,320 annually
- The average rate for a 40-year-old driver with $500 deductibles is $1,544
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,980
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,356 or more
- The cost for full coverage for a teen driver may cost $5,696 or more
Car insurance rates for an Audi A4 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $5,600 a year. View Rates by Age
Where you live has a huge impact on Audi A4 insurance rates. A driver around age 40 might see rates as low as $1,110 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,090 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,396 | -$148 | -9.6% |
| Alaska | $1,184 | -$360 | -23.3% |
| Arizona | $1,282 | -$262 | -17.0% |
| Arkansas | $1,544 | -$0 | 0.0% |
| California | $1,760 | $216 | 14.0% |
| Colorado | $1,474 | -$70 | -4.5% |
| Connecticut | $1,588 | $44 | 2.8% |
| Delaware | $1,748 | $204 | 13.2% |
| Florida | $1,932 | $388 | 25.1% |
| Georgia | $1,426 | -$118 | -7.6% |
| Hawaii | $1,108 | -$436 | -28.2% |
| Idaho | $1,044 | -$500 | -32.4% |
| Illinois | $1,152 | -$392 | -25.4% |
| Indiana | $1,162 | -$382 | -24.7% |
| Iowa | $1,042 | -$502 | -32.5% |
| Kansas | $1,468 | -$76 | -4.9% |
| Kentucky | $2,106 | $562 | 36.4% |
| Louisiana | $2,286 | $742 | 48.1% |
| Maine | $952 | -$592 | -38.3% |
| Maryland | $1,272 | -$272 | -17.6% |
| Massachusetts | $1,236 | -$308 | -19.9% |
| Michigan | $2,682 | $1,138 | 73.7% |
| Minnesota | $1,292 | -$252 | -16.3% |
| Mississippi | $1,852 | $308 | 19.9% |
| Missouri | $1,370 | -$174 | -11.3% |
| Montana | $1,658 | $114 | 7.4% |
| Nebraska | $1,218 | -$326 | -21.1% |
| Nevada | $1,852 | $308 | 19.9% |
| New Hampshire | $1,114 | -$430 | -27.8% |
| New Jersey | $1,726 | $182 | 11.8% |
| New Mexico | $1,368 | -$176 | -11.4% |
| New York | $1,628 | $84 | 5.4% |
| North Carolina | $890 | -$654 | -42.4% |
| North Dakota | $1,264 | -$280 | -18.1% |
| Ohio | $1,066 | -$478 | -31.0% |
| Oklahoma | $1,586 | $42 | 2.7% |
| Oregon | $1,414 | -$130 | -8.4% |
| Pennsylvania | $1,474 | -$70 | -4.5% |
| Rhode Island | $2,060 | $516 | 33.4% |
| South Carolina | $1,400 | -$144 | -9.3% |
| South Dakota | $1,304 | -$240 | -15.5% |
| Tennessee | $1,352 | -$192 | -12.4% |
| Texas | $1,862 | $318 | 20.6% |
| Utah | $1,144 | -$400 | -25.9% |
| Vermont | $1,056 | -$488 | -31.6% |
| Virginia | $924 | -$620 | -40.2% |
| Washington | $1,194 | -$350 | -22.7% |
| West Virginia | $1,416 | -$128 | -8.3% |
| Wisconsin | $1,070 | -$474 | -30.7% |
| Wyoming | $1,376 | -$168 | -10.9% |

Choosing high deductibles could cut rates by as much as $660 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi A4 2.0T Quattro Premium Turbo Station Wagon | $1,488 | $124 |
| Audi A4 2.0T Premium Turbo 4-Dr Sedan | $1,472 | $123 |
| Audi A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $1,472 | $123 |
| Audi A4 2.0T Quattro Premium Plus Turbo Station Wagon | $1,532 | $128 |
| Audi A4 2.0T Premium Plus Turbo 4-Dr Sedan | $1,514 | $126 |
| Audi A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $1,514 | $126 |
| Audi A4 2.0T Quattro Premium Plus 4-Dr Sedan | $1,514 | $126 |
| Audi A4 2.0T Quattro Prestige Turbo Station Wagon | $1,574 | $131 |
| Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $1,598 | $133 |
| Audi A4 2.0T Quattro Prestige 4-Dr Sedan | $1,598 | $133 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi A4 | $346 | $660 | $390 | $1,554 |
| 2023 Audi A4 | $332 | $656 | $398 | $1,544 |
| 2022 Audi A4 | $320 | $640 | $416 | $1,534 |
| 2021 Audi A4 | $310 | $612 | $430 | $1,510 |
| 2020 Audi A4 | $292 | $592 | $442 | $1,484 |
| 2019 Audi A4 | $282 | $548 | $452 | $1,440 |
| 2018 Audi A4 | $270 | $516 | $456 | $1,400 |
| 2017 Audi A4 | $258 | $464 | $460 | $1,340 |
| 2016 Audi A4 | $242 | $426 | $460 | $1,286 |
| 2015 Audi A4 | $234 | $400 | $464 | $1,256 |
| 2014 Audi A4 | $228 | $374 | $474 | $1,234 |
| 2013 Audi A4 | $210 | $346 | $474 | $1,188 |
| 2012 Audi A4 | $206 | $314 | $478 | $1,156 |
| 2011 Audi A4 | $192 | $288 | $474 | $1,112 |
| 2010 Audi A4 | $180 | $262 | $474 | $1,074 |
| 2009 Audi A4 | $174 | $234 | $468 | $1,034 |
| 2008 Audi A4 | $172 | $230 | $460 | $1,020 |
| 2007 Audi A4 | $168 | $218 | $452 | $996 |
| 2006 Audi A4 | $154 | $208 | $446 | $966 |
| 2005 Audi A4 | $150 | $198 | $442 | $948 |
Rates are averaged for all Audi A4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Audi A4 Insurance
Saving money on Audi A4 insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.
The following is a brief recap of the concepts that were presented in the illustrations above.
- High-risk drivers who tend to receive serious violations may be required to pay an average of $1,810 more each year for A4 insurance
- Teens are expensive to insure, with premiums as much as $475 per month if full coverage is included
- You may be able to save as much as $190 per year simply by quoting early and online
- Increasing deductibles can save around $650 each year
- You may be able to save as much as $190 per year simply by quoting early and online
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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2020 Audi A4 allroad SW AWD | N/R | N/R | 5 stars | N/R |
| 2020 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2020 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2019 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2019 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2018 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2018 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2017 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2017 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2016 Audi A4 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Audi A4 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 79% |
| Property Damage | 7% |
| Comprehensive | 3% |
| Personal Injury | -20% |
| Medical Payment | 12% |
| Bodily Injury | 0% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,696 |
| 20 | $3,588 |
| 30 | $1,618 |
| 40 | $1,544 |
| 50 | $1,410 |
| 60 | $1,384 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,980 |
| $250 | $1,776 |
| $500 | $1,544 |
| $1,000 | $1,320 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,544 |
| 50/100 | $1,678 |
| 100/300 | $1,777 |
| 250/500 | $2,036 |
| 100 CSL | $1,717 |
| 300 CSL | $1,936 |
| 500 CSL | $2,096 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,154 |
| 20 | $5,710 |
| 30 | $3,440 |
| 40 | $3,356 |
| 50 | $3,202 |
| 60 | $3,176 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $81 |
| Homeowner | $22 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $101 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $111 |
| Total Discounts | $670 |
Discounts are estimated and may not be available from every company or in every state.
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