Audi A4 allroad Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 22, 2024
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U.S. average insurance rates for an Audi A4 allroad are $1,484 a year for full coverage. Comprehensive insurance costs approximately $318, collision insurance costs $548, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs $3,210 or more. Teens pay the highest rates at up to $5,542 a year.
Average premium for full coverage: $1,484
Price estimates by individual coverage:
These estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different A4 allroad trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Audi A4 allroad insurance prices range from the low end price of $510 for minimum levels of liability insurance to a much higher rate of $3,210 for a high-risk insurance policy.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates using their specific location, rather than 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.
Additional Rate Details
The chart below shows average Audi A4 allroad insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $853
- Drivers who choose higher $1,000 deductibles will pay $196 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,484
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $378 each year
- High-risk insureds with serious driving violations could pay around $3,210
- The price that insures a teenage driver with full coverage can cost $5,542 a year
Insurance prices for an Audi A4 allroad are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,800 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 136% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,500 a year. View Rates by Age
The state you live in makes a big difference in Audi A4 allroad insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,120 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,340 | -$144 | -9.7% |
| Alaska | $1,138 | -$346 | -23.3% |
| Arizona | $1,232 | -$252 | -17.0% |
| Arkansas | $1,484 | -$0 | 0.0% |
| California | $1,690 | $206 | 13.9% |
| Colorado | $1,416 | -$68 | -4.6% |
| Connecticut | $1,524 | $40 | 2.7% |
| Delaware | $1,678 | $194 | 13.1% |
| Florida | $1,854 | $370 | 24.9% |
| Georgia | $1,370 | -$114 | -7.7% |
| Hawaii | $1,066 | -$418 | -28.2% |
| Idaho | $1,004 | -$480 | -32.3% |
| Illinois | $1,104 | -$380 | -25.6% |
| Indiana | $1,116 | -$368 | -24.8% |
| Iowa | $1,000 | -$484 | -32.6% |
| Kansas | $1,410 | -$74 | -5.0% |
| Kentucky | $2,024 | $540 | 36.4% |
| Louisiana | $2,194 | $710 | 47.8% |
| Maine | $916 | -$568 | -38.3% |
| Maryland | $1,224 | -$260 | -17.5% |
| Massachusetts | $1,188 | -$296 | -19.9% |
| Michigan | $2,576 | $1,092 | 73.6% |
| Minnesota | $1,242 | -$242 | -16.3% |
| Mississippi | $1,776 | $292 | 19.7% |
| Missouri | $1,316 | -$168 | -11.3% |
| Montana | $1,592 | $108 | 7.3% |
| Nebraska | $1,170 | -$314 | -21.2% |
| Nevada | $1,778 | $294 | 19.8% |
| New Hampshire | $1,068 | -$416 | -28.0% |
| New Jersey | $1,658 | $174 | 11.7% |
| New Mexico | $1,314 | -$170 | -11.5% |
| New York | $1,562 | $78 | 5.3% |
| North Carolina | $854 | -$630 | -42.5% |
| North Dakota | $1,214 | -$270 | -18.2% |
| Ohio | $1,024 | -$460 | -31.0% |
| Oklahoma | $1,524 | $40 | 2.7% |
| Oregon | $1,358 | -$126 | -8.5% |
| Pennsylvania | $1,414 | -$70 | -4.7% |
| Rhode Island | $1,980 | $496 | 33.4% |
| South Carolina | $1,344 | -$140 | -9.4% |
| South Dakota | $1,252 | -$232 | -15.6% |
| Tennessee | $1,300 | -$184 | -12.4% |
| Texas | $1,788 | $304 | 20.5% |
| Utah | $1,098 | -$386 | -26.0% |
| Vermont | $1,014 | -$470 | -31.7% |
| Virginia | $888 | -$596 | -40.2% |
| Washington | $1,146 | -$338 | -22.8% |
| West Virginia | $1,358 | -$126 | -8.5% |
| Wisconsin | $1,028 | -$456 | -30.7% |
| Wyoming | $1,322 | -$162 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $580 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi A4 allroad | $406 | $774 | $398 | $1,736 |
| 2023 Audi A4 allroad | $394 | $756 | $416 | $1,724 |
| 2022 Audi A4 allroad | $380 | $724 | $430 | $1,692 |
| 2021 Audi A4 allroad | $358 | $698 | $442 | $1,656 |
| 2020 Audi A4 allroad | $344 | $648 | $452 | $1,602 |
| 2018 Audi A4 allroad | $318 | $548 | $460 | $1,484 |
| 2017 Audi A4 allroad | $296 | $504 | $460 | $1,418 |
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 Cheap Audi A4 allroad Insurance
Getting lower rates on auto insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.
The next list is a brief summary of the car insurance concepts touched on in the above illustrations.
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,730 more per year to buy Audi A4 allroad insurance
- Drivers can save around $180 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $575 each year
- Consumers who purchase increased levels of liability coverage will pay approximately $510 each year to go from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,542 |
| 20 | $3,414 |
| 30 | $1,544 |
| 40 | $1,484 |
| 50 | $1,354 |
| 60 | $1,328 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,862 |
| $250 | $1,688 |
| $500 | $1,484 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,484 |
| 50/100 | $1,576 |
| 100/300 | $1,691 |
| 250/500 | $1,990 |
| 100 CSL | $1,622 |
| 300 CSL | $1,875 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,912 |
| 20 | $5,438 |
| 30 | $3,280 |
| 40 | $3,210 |
| 50 | $3,064 |
| 60 | $3,038 |
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 | $80 |
| Multi-vehicle | $78 |
| Homeowner | $22 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $67 |
| Advance Quote | $73 |
| Online Quote | $106 |
| Total Discounts | $631 |
Discounts are estimated and may not be available from every company or in every state.
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