Audi A4 allroad Insurance Rates
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UPDATED: May 22, 2024
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U.S. average insurance rates for an Audi A4 allroad are $1,556 a year for full coverage. Comprehensive costs an estimated $332 each year, collision costs $610, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $3,378. 16-year-old drivers pay the highest rates at $5,790 a year or more.
Average premium for full coverage: $1,556
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and A4 allroad models.
Price Range from Low to High
For an average driver, Audi A4 allroad insurance prices go from the low end price of $508 for basic liability insurance to a high rate of $3,378 for high-risk insurance.
Geographic Price Range
Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than congested cities.
The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above show why all drivers should compare prices for a targeted area, rather than relying on rate averages.
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.
Rate Comparisons
The chart below shows estimated Audi A4 allroad insurance rates for other coverage scenarios.
- The best full coverage rate is $885
- Using higher $1,000 deductibles will save approximately $214 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,556
- Buying low deductibles for physical damage coverage bumps up the cost to $1,972
- Drivers with multiple tickets or accidents could pay up to $3,378 or more
- The price that insures a teen driver can cost as much as $5,790 or more
Insurance prices for an Audi A4 allroad are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,900 to $2,500 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,700 a year. View Rates by Age
The state you live in has a huge impact on Audi A4 allroad insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like Iowa, Maine, and Idaho, or at least $2,220 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $630 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different.
| 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 Cheaper Audi A4 allroad Insurance
Getting lower rates on Audi A4 allroad insurance requires avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop every couple of years by getting quotes from direct carriers, and also from your local independent and exclusive agents.
The points below are a condensed summary of the material that was covered in the above illustrations.
- Drivers who want increased liability limits will pay around $500 each year to increase from a low limit to the 250/500 level
- Drivers under the age of 20 are expensive to insure, with premiums as much as $483 a month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,820 more annually to insure an Audi A4 allroad
- Increasing physical damage deductibles can save approximately $625 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,972 |
| $250 | $1,780 |
| $500 | $1,556 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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