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 $1,534 a year with full coverage. Comprehensive costs around $320 each year, collision costs $640, and liability costs around $416. A policy with just liability insurance costs as low as $474 a year, with coverage for high-risk drivers costing around $3,340. Teens receive the highest rates at $5,700 a year or more.

Average premium for full coverage: $1,534

Rate estimates for individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and A4 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance rates.

These examples demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below details estimated Audi A4 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $869
• Using higher $1,000 deductibles will save about $218 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,534
• Selecting low deductibles for physical damage coverage will increase the cost to $1,960
• High-risk insureds with serious driving violations could pay at least $3,340 or more
• The cost for full coverage for a 16-year-old driver can be $5,700 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,700 a year. View Rates by Age

Where you live has a huge impact on Audi A4 insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,070 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $650 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, 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 the Cheapest Audi A4 Insurance

Saving money on insurance for an Audi A4 requires having a decent driving record, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least every other year by requesting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a recap of the car insurance concepts touched on above.

• Drivers considered higher risk that have major violations or accidents pay an average of $1,810 more every year than a driver with a clean driving record
• You may be able to save up to $190 per year simply by quoting online in advance
• Increasing deductibles can save around $650 each year
• Insureds who may need additional liability coverage will pay approximately $460 every year to increase from a minimum limit to 250/500 limits

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