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.

The average insurance prices for an Audi A4 are $1,554 every 12 months with full coverage. Comprehensive insurance costs an estimated $346 each year, collision costs $660, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing $3,372 or more. Teens cost the most to insure at $5,696 a year or more.

Average premium for full coverage: $1,554

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and A4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $880
• Raising to $1,000 deductibles will save approximately $228 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,554
• Selecting low deductibles costs an extra $446 every year
• At-risk drivers with serious driving violations could pay up to $3,372 or more
• Policy cost to insure a teen driver can cost as much as $5,696

View Chart as Image

Car insurance rates for an Audi A4 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $680 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Audi A4 insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,100 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes will be varied.

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 Shop for Affordable Audi A4 Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a brief review of the information presented in the illustrations above.

• You may be able to save approximately $190 per year simply by quoting online in advance
• Teenage drivers have the highest car insurance rates, as much as $475 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $675 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,820 more annually for auto insurance
• Policyholders who want higher levels of liability will pay approximately $430 every year to raise from a 30/60 limit to a 250/500 level

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