Audi A4 Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $320
Collision $640
Liability $416

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.

Liability Only $474
Full Coverage $1,534
High Risk $3,340

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.

Rural Areas $1,151
Small Cities $1,611
Large Cities $2,071

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

View Chart as Image

Audi A4 insurance cost comparison chart
Column chart showing full coverage Audi A4 insurance rates range from $869 to $5,700

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.

Audi A4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,388 -$146 -9.5%
Alaska $1,178 -$356 -23.2%
Arizona $1,274 -$260 -16.9%
Arkansas $1,534 -$0 0.0%
California $1,748 $214 14.0%
Colorado $1,466 -$68 -4.4%
Connecticut $1,580 $46 3.0%
Delaware $1,736 $202 13.2%
Florida $1,920 $386 25.2%
Georgia $1,416 -$118 -7.7%
Hawaii $1,102 -$432 -28.2%
Idaho $1,040 -$494 -32.2%
Illinois $1,142 -$392 -25.6%
Indiana $1,156 -$378 -24.6%
Iowa $1,036 -$498 -32.5%
Kansas $1,460 -$74 -4.8%
Kentucky $2,094 $560 36.5%
Louisiana $2,270 $736 48.0%
Maine $946 -$588 -38.3%
Maryland $1,266 -$268 -17.5%
Massachusetts $1,228 -$306 -19.9%
Michigan $2,664 $1,130 73.7%
Minnesota $1,284 -$250 -16.3%
Mississippi $1,838 $304 19.8%
Missouri $1,362 -$172 -11.2%
Montana $1,650 $116 7.6%
Nebraska $1,210 -$324 -21.1%
Nevada $1,838 $304 19.8%
New Hampshire $1,104 -$430 -28.0%
New Jersey $1,714 $180 11.7%
New Mexico $1,358 -$176 -11.5%
New York $1,618 $84 5.5%
North Carolina $884 -$650 -42.4%
North Dakota $1,256 -$278 -18.1%
Ohio $1,062 -$472 -30.8%
Oklahoma $1,574 $40 2.6%
Oregon $1,406 -$128 -8.3%
Pennsylvania $1,464 -$70 -4.6%
Rhode Island $2,046 $512 33.4%
South Carolina $1,390 -$144 -9.4%
South Dakota $1,296 -$238 -15.5%
Tennessee $1,344 -$190 -12.4%
Texas $1,850 $316 20.6%
Utah $1,138 -$396 -25.8%
Vermont $1,052 -$482 -31.4%
Virginia $920 -$614 -40.0%
Washington $1,188 -$346 -22.6%
West Virginia $1,406 -$128 -8.3%
Wisconsin $1,062 -$472 -30.8%
Wyoming $1,368 -$166 -10.8%

View Chart as Image

Audi A4 insurance rates by U.S. city

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

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.

Audi A4 Insurance Rates by Model Year
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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Audi A4 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Audi A4 allroad SW AWDN/RN/R5 starsN/R
2020 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2020 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2019 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2019 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2018 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2018 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2017 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2017 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2016 Audi A4 4 DR FWD5 stars5 stars5 stars5 stars
2016 Audi A4 4 DR AWD5 stars5 stars5 stars5 stars
Get Your Rates Quote Now

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.

Audi A4 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision79%
Property Damage7%
Comprehensive3%
Personal Injury-20%
Medical Payment12%
Bodily Injury0%
Get Your Rates Quote Now

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.

References

  1. https://www.iihs.org/ratings/vehicle/audi/a4-4-door-sedan/2020

Rates by Driver Age

Audi A4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,700
20 $3,568
30 $1,606
40 $1,534
50 $1,400
60 $1,374

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,960
$250 $1,762
$500 $1,534
$1,000 $1,316

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,534
50/100 $1,669
100/300 $1,773
250/500 $2,044
100 CSL $1,711
300 CSL $1,940
500 CSL $2,106

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 Insurance Rates for High Risk Drivers
Age Premium
16 $8,156
20 $5,684
30 $3,418
40 $3,340
50 $3,188
60 $3,160

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 $219

Potential Rate Discounts

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

Discount Savings
Multi-policy $83
Multi-vehicle $81
Homeowner $22
5-yr Accident Free $118
5-yr Claim Free $100
Paid in Full/EFT $73
Advance Quote $78
Online Quote $110
Total Discounts $665
Rate after discounts $869

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles