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.

U.S. average insurance rates for an Audi A4 are $1,544 a year for full coverage. Comprehensive insurance costs approximately $332, collision insurance costs $656, and liability is $398. Buying just liability costs around $460 a year, and insurance for high-risk drivers costs $3,356 or more. Teen drivers pay the highest rates at up to $5,696 a year.

Average premium for full coverage: $1,544

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all A4 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.

The ranges above show why everyone should compare rates quotes using their specific location and risk profile, instead of using price averages.

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

More Rate Details

The chart below shows average Audi A4 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $874
• Raising to $1,000 deductibles will save $224 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,544
• Choosing pricier low deductibles will cost an extra $436 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $3,356
• The price for full coverage for a teen driver for full coverage can cost $5,696

View Chart as Image

Insurance prices for an Audi A4 are also quite variable based on your driving record, the trim level of your A4, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age

The state you live in also has a big influence on Audi A4 insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like Iowa, Maine, and Idaho, or as much as $2,200 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $660 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,800 to $2,500 additional each year, depending on your age. Audi A4 insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates

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 Cheaper Audi A4 Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the data that was touched on in this article.

• Drivers can save around $190 per year just by quoting online well ahead of the renewal date
• Policyholders who purchase more liability protection will pay about $440 each year to raise from a low limit to 250/500 limits
• Youthful drivers are the costliest to insure, with premiums as much as $475 a month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents may pay on average $1,810 more per year than a low-risk driver

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