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.

Estimated insurance rates for an Audi A4 are $1,544 a year with full coverage. Comprehensive insurance costs an estimated $332, collision costs $656, and liability is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing $3,356 or more. 16-year-old drivers pay the most at $5,696 a year or more.

Average premium for full coverage: $1,544

Premium estimates broken down by type of coverage:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different A4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The price range example below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below details estimated Audi A4 insurance rates for other coverage scenarios.

• The best full coverage rate is $874
• Raising to $1,000 deductibles will save approximately $224 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,544
• Buying more expensive low deductibles will cost an extra $436 annually
• Drivers with multiple tickets or accidents could pay up to $3,356 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $5,696

View Chart as Image

Insurance prices for an Audi A4 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,600 a year. View Rates by Age

Where you choose to live also has a big influence on Audi A4 insurance prices. A middle-age driver might find prices as low as $1,110 a year in states like Utah, Ohio, and New Hampshire, or at least $2,090 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $660 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially 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

Finding better rates on insurance for an Audi A4 consists of being a low-risk driver, having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $190 per year simply by shopping early and online
• Drivers considered higher risk that have major violations or accidents may pay on average $1,810 more annually to insure their A4
• Increasing policy deductibles can save around $650 each year
• Teen drivers are expensive to insure, possibly costing $475 per month including comprehensive and collision insurance

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