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...

Insurance Lawyer

UPDATED: May 22, 2024

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U.S. average auto insurance rates for an Audi A4 allroad are $1,602 annually with full coverage. Comprehensive costs around $344, collision costs $648, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, with coverage for high-risk drivers costing around $3,484. Teen drivers pay the highest rates at $5,936 a year or more.

Average premium for full coverage: $1,602

Price estimates for individual coverage:

Comprehensive $344
Collision $648
Liability $452

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all A4 allroad models.

Price Range from Low to High

For the average driver, Audi A4 allroad insurance prices go from as cheap as $504 for minimum levels of liability insurance to the much higher price of $3,484 for high-risk insurance.

Liability Only $504
Full Coverage $1,602
High Risk $3,484

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.

The example below illustrates how location impacts auto insurance rates.

Rural Areas $1,202
Small Cities $1,682
Large Cities $2,163

The ranges above demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price 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.

Additional Rate Details

The chart below details estimated Audi A4 allroad insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $907
  • Drivers who choose higher $1,000 deductibles will pay about $224 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,602
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost $2,042
  • Drivers with multiple violations and an at-fault accident could pay at least $3,484 or more
  • The price with full coverage for a 16-year-old driver for full coverage can be $5,936 a year

View Chart as Image

Audi A4 allroad insurance cost comparison chart
Column chart showing full coverage Audi A4 allroad insurance rates range from $907 to $5,936

Insurance prices for an Audi A4 allroad are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,900 to $2,600 extra each year, depending on your age. Audi A4 allroad insurance for high-risk drivers can cost from 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $670 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Audi A4 allroad insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,160 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 $1,450 -$152 -9.5%
Alaska $1,230 -$372 -23.2%
Arizona $1,330 -$272 -17.0%
Arkansas $1,602 -$0 0.0%
California $1,828 $226 14.1%
Colorado $1,532 -$70 -4.4%
Connecticut $1,648 $46 2.9%
Delaware $1,814 $212 13.2%
Florida $2,004 $402 25.1%
Georgia $1,478 -$124 -7.7%
Hawaii $1,152 -$450 -28.1%
Idaho $1,086 -$516 -32.2%
Illinois $1,194 -$408 -25.5%
Indiana $1,206 -$396 -24.7%
Iowa $1,080 -$522 -32.6%
Kansas $1,524 -$78 -4.9%
Kentucky $2,186 $584 36.5%
Louisiana $2,372 $770 48.1%
Maine $988 -$614 -38.3%
Maryland $1,322 -$280 -17.5%
Massachusetts $1,282 -$320 -20.0%
Michigan $2,784 $1,182 73.8%
Minnesota $1,340 -$262 -16.4%
Mississippi $1,920 $318 19.9%
Missouri $1,422 -$180 -11.2%
Montana $1,720 $118 7.4%
Nebraska $1,264 -$338 -21.1%
Nevada $1,924 $322 20.1%
New Hampshire $1,156 -$446 -27.8%
New Jersey $1,792 $190 11.9%
New Mexico $1,420 -$182 -11.4%
New York $1,688 $86 5.4%
North Carolina $924 -$678 -42.3%
North Dakota $1,312 -$290 -18.1%
Ohio $1,108 -$494 -30.8%
Oklahoma $1,646 $44 2.7%
Oregon $1,468 -$134 -8.4%
Pennsylvania $1,528 -$74 -4.6%
Rhode Island $2,138 $536 33.5%
South Carolina $1,452 -$150 -9.4%
South Dakota $1,352 -$250 -15.6%
Tennessee $1,404 -$198 -12.4%
Texas $1,932 $330 20.6%
Utah $1,188 -$414 -25.8%
Vermont $1,098 -$504 -31.5%
Virginia $958 -$644 -40.2%
Washington $1,238 -$364 -22.7%
West Virginia $1,468 -$134 -8.4%
Wisconsin $1,108 -$494 -30.8%
Wyoming $1,430 -$172 -10.7%

View Chart as Image

Audi A4 allroad insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different between companies.

Audi A4 allroad Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A4 allroad $444 $812 $372 $1,786
2023 Audi A4 allroad $424 $780 $390 $1,752
2022 Audi A4 allroad $406 $774 $398 $1,736
2021 Audi A4 allroad $394 $756 $416 $1,724
2020 Audi A4 allroad $380 $724 $430 $1,692
2018 Audi A4 allroad $344 $648 $452 $1,602
2017 Audi A4 allroad $332 $610 $456 $1,556

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 Buy Cheap Audi A4 allroad Insurance

Getting lower rates on insurance for an Audi A4 allroad not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the material that was touched on above.

  • Insureds who may need more liability coverage will pay about $500 every year to go from a low limit to higher 250/500 limits
  • Teen drivers pay higher prices, costing up to $495 a month including comprehensive and collision insurance
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,880 more every year to insure their A4 allroad
  • Increasing physical damage deductibles could save up to $675 each year

Rates by Driver Age

Audi A4 allroad Insurance Rates by Driver Age
Driver Age Premium
16 $5,936
20 $3,710
30 $1,674
40 $1,602
50 $1,464
60 $1,436

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 allroad Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,042
$250 $1,838
$500 $1,602
$1,000 $1,378

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 allroad Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,602
50/100 $1,692
100/300 $1,805
250/500 $2,099
100 CSL $1,738
300 CSL $1,986
500 CSL $2,167

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 allroad Insurance Rates for High Risk Drivers
Age Premium
16 $8,498
20 $5,912
30 $3,562
40 $3,484
50 $3,326
60 $3,296

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 $228

Potential Rate Discounts

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

Discount Savings
Multi-policy $87
Multi-vehicle $85
Homeowner $23
5-yr Accident Free $122
5-yr Claim Free $105
Paid in Full/EFT $76
Advance Quote $81
Online Quote $116
Total Discounts $695
Rate after discounts $907

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

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