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 auto insurance rates for an Audi A4 are $1,544 annually for full coverage insurance. Comprehensive insurance costs approximately $332 each year, collision insurance costs $656, and liability insurance costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs $3,356 or more. Teen drivers cost the most to insure at up to $5,696 a year.

Average premium for full coverage: $1,544

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and A4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $874
• Drivers who choose higher $1,000 deductibles will pay $224 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,544
• Choosing low deductibles for comprehensive and collision insurance costs an additional $436 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $3,356
• Policy cost with full coverage for a teen driver can cost $5,696 a year

View Chart as Image

Insurance rates for an Audi A4 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $660 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Audi A4 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,090 on average in Florida, New York, and Michigan.

View Chart as Image

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 Buy Cheaper Audi A4 Insurance

Finding cheaper rates on Audi A4 insurance not only requires being a good driver, but also having a good credit history, being claim-free, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a condensed summary of the material that was touched on above.

• Drivers who purchase an increased level of liability coverage will pay about $440 annually to go from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, possibly costing $475 each month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,810 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $650 each year

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