Audi A4 allroad Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 22, 2024

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The average insurance rates for an Audi A4 allroad are $1,556 a year with full coverage. Comprehensive insurance costs on average $332 each year, collision costs $610, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $3,378 or more. Teens cost the most to insure at $5,790 a year or more.

Average premium for full coverage: $1,556

Policy rates by type of insurance:

Comprehensive $332
Collision $610
Liability $456

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and A4 allroad models.

Price Range Variability

For the normal driver, Audi A4 allroad insurance rates go from as low as $508 for a discount liability-only rate to a high rate of $3,378 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,556
High Risk $3,378

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $1,167
Small Cities $1,634
Large Cities $2,101

The examples above demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below details estimated Audi A4 allroad insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $885
  • Drivers who choose higher $1,000 deductibles will pay around $214 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,556
  • Selecting low deductibles for comprehensive and collision insurance will cost an extra $416 every year
  • Higher-risk drivers with serious driving violations could pay upwards of $3,378 or more
  • Policy cost for full coverage for a teen driver may cost $5,790 a year

View Chart as Image

Audi A4 allroad insurance cost comparison chart
Column chart showing full coverage Audi A4 allroad insurance prices range from $885 to $5,790

Auto insurance rates for an Audi A4 allroad also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,700 a year. View Rates by Age

Your home state makes a big difference in Audi A4 allroad insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,100 on average in Florida, Michigan, and New York.

Audi A4 allroad Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,408 -$148 -9.5%
Alaska $1,194 -$362 -23.3%
Arizona $1,290 -$266 -17.1%
Arkansas $1,556 -$0 0.0%
California $1,774 $218 14.0%
Colorado $1,488 -$68 -4.4%
Connecticut $1,600 $44 2.8%
Delaware $1,760 $204 13.1%
Florida $1,948 $392 25.2%
Georgia $1,436 -$120 -7.7%
Hawaii $1,118 -$438 -28.1%
Idaho $1,052 -$504 -32.4%
Illinois $1,160 -$396 -25.4%
Indiana $1,172 -$384 -24.7%
Iowa $1,050 -$506 -32.5%
Kansas $1,478 -$78 -5.0%
Kentucky $2,124 $568 36.5%
Louisiana $2,302 $746 47.9%
Maine $960 -$596 -38.3%
Maryland $1,284 -$272 -17.5%
Massachusetts $1,244 -$312 -20.1%
Michigan $2,702 $1,146 73.7%
Minnesota $1,304 -$252 -16.2%
Mississippi $1,864 $308 19.8%
Missouri $1,380 -$176 -11.3%
Montana $1,672 $116 7.5%
Nebraska $1,226 -$330 -21.2%
Nevada $1,864 $308 19.8%
New Hampshire $1,120 -$436 -28.0%
New Jersey $1,738 $182 11.7%
New Mexico $1,378 -$178 -11.4%
New York $1,638 $82 5.3%
North Carolina $896 -$660 -42.4%
North Dakota $1,272 -$284 -18.3%
Ohio $1,074 -$482 -31.0%
Oklahoma $1,598 $42 2.7%
Oregon $1,426 -$130 -8.4%
Pennsylvania $1,484 -$72 -4.6%
Rhode Island $2,076 $520 33.4%
South Carolina $1,410 -$146 -9.4%
South Dakota $1,314 -$242 -15.6%
Tennessee $1,362 -$194 -12.5%
Texas $1,874 $318 20.4%
Utah $1,152 -$404 -26.0%
Vermont $1,066 -$490 -31.5%
Virginia $932 -$624 -40.1%
Washington $1,204 -$352 -22.6%
West Virginia $1,426 -$130 -8.4%
Wisconsin $1,078 -$478 -30.7%
Wyoming $1,386 -$170 -10.9%

View Chart as Image

Audi A4 allroad insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $630 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, and quoted rates will be varied from one company to the next.

Audi A4 allroad Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A4 allroad $424 $780 $390 $1,752
2023 Audi A4 allroad $406 $774 $398 $1,736
2022 Audi A4 allroad $394 $756 $416 $1,724
2021 Audi A4 allroad $380 $724 $430 $1,692
2020 Audi A4 allroad $358 $698 $442 $1,656
2018 Audi A4 allroad $332 $610 $456 $1,556
2017 Audi A4 allroad $318 $548 $460 $1,484

Rates are averaged for all Audi A4 allroad models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Audi A4 allroad Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a quick rundown of the concepts that were presented in the illustrations above.

  • Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,820 more each year to insure their A4 allroad
  • Teen drivers are charged the highest rates, as much as $483 each month if they have full coverage
  • You may be able to save as much as $190 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $625 each year
  • You may be able to save as much as $190 per year simply by quoting online in advance

Rates by Driver Age

Audi A4 allroad Insurance Rates by Driver Age
Driver Age Premium
16 $5,790
20 $3,596
30 $1,624
40 $1,556
50 $1,420
60 $1,394

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 allroad Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,972
$250 $1,780
$500 $1,556
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 allroad Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,556
50/100 $1,647
100/300 $1,761
250/500 $2,058
100 CSL $1,693
300 CSL $1,944
500 CSL $2,126

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 allroad Insurance Rates for High Risk Drivers
Age Premium
16 $8,278
20 $5,732
30 $3,452
40 $3,378
50 $3,226
60 $3,198

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $220

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $84
Multi-vehicle $83
Homeowner $23
5-yr Accident Free $117
5-yr Claim Free $102
Paid in Full/EFT $72
Advance Quote $78
Online Quote $112
Total Discounts $671
Rate after discounts $885

Discounts are estimated and may not be available from every company or in every state.

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