Audi A4 Insurance Rates
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UPDATED: Apr 30, 2020
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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.
Average insurance rates for an Audi A4 are $1,534 a year for full coverage. Comprehensive costs on average $320 a year, collision costs $640, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,340. Teen drivers receive the highest rates at $5,700 a year or more.
Average premium for full coverage: $1,534
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and A4 trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $3,340 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.
Insurance Rate Analysis
The chart below shows estimated Audi A4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $869
- Drivers who choose higher $1,000 deductibles will pay around $1,316 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,534
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,960
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,340 or more
- The cost for full coverage for a teen driver may cost $5,700 a year
for an Audi A4 can also vary considerably based on your driver profile, the trim level of your A4, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,700 a year. View Rates by Age
Where you live 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 Idaho, Maine, and Iowa, or as much as $2,190 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $650 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Audi A4 2.0T Quattro Premium Turbo Station Wagon||$1,480||$123|
|Audi A4 2.0T Premium Turbo 4-Dr Sedan||$1,464||$122|
|Audi A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$1,464||$122|
|Audi A4 2.0T Quattro Premium Plus Turbo Station Wagon||$1,522||$127|
|Audi A4 2.0T Premium Plus Turbo 4-Dr Sedan||$1,504||$125|
|Audi A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$1,504||$125|
|Audi A4 2.0T Quattro Premium Plus 4-Dr Sedan||$1,504||$125|
|Audi A4 2.0T Quattro Prestige Turbo Station Wagon||$1,562||$130|
|Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$1,586||$132|
|Audi A4 2.0T Quattro Prestige 4-Dr Sedan||$1,586||$132|
Rates assume 2019 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Audi A4||$320||$640||$416||$1,534|
|2014 Audi A4||$258||$464||$460||$1,340|
|2013 Audi A4||$242||$426||$460||$1,286|
|2012 Audi A4||$234||$400||$464||$1,256|
|2011 Audi A4||$228||$374||$474||$1,234|
|2010 Audi A4||$210||$346||$474||$1,188|
|2009 Audi A4||$206||$314||$478||$1,156|
|2008 Audi A4||$192||$288||$474||$1,112|
|2007 Audi A4||$180||$262||$474||$1,074|
|2006 Audi A4||$174||$234||$468||$1,034|
|2005 Audi A4||$172||$230||$460||$1,020|
|2004 Audi A4||$168||$218||$452||$996|
|2003 Audi A4||$154||$208||$446||$966|
Rates are averaged for all Audi A4 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 Insurance
Saving money on Audi A4 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $650 each year
- Drivers can save as much as $190 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $475 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,810 more each year for insurance
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.
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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.
|2020 Audi A4 allroad SW AWD||N/R||N/R||5 stars||N/R|
|2020 Audi A4 4 DR FWD||5 stars||4 stars||5 stars||5 stars|
|2020 Audi A4 4 DR AWD||5 stars||4 stars||5 stars||5 stars|
|2019 Audi A4 4 DR FWD||5 stars||4 stars||5 stars||5 stars|
|2019 Audi A4 4 DR AWD||5 stars||4 stars||5 stars||5 stars|
|2018 Audi A4 4 DR FWD||5 stars||4 stars||5 stars||5 stars|
|2018 Audi A4 4 DR AWD||5 stars||4 stars||5 stars||5 stars|
|2017 Audi A4 4 DR FWD||5 stars||4 stars||5 stars||5 stars|
|2017 Audi A4 4 DR AWD||5 stars||4 stars||5 stars||5 stars|
|2016 Audi A4 4 DR FWD||5 stars||5 stars||5 stars||5 stars|
|2016 Audi A4 4 DR AWD||5 stars||5 stars||5 stars||5 stars|
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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.
|Insurance Coverage Category||Loss Rate|
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$118|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$73|
Discounts are estimated and may not be available from every company or in every state.