Audi A4 Insurance Rates

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.

U.S. average insurance prices for an Audi A4 are $1,510 every 12 months including full coverage. Comprehensive costs an estimated $310 each year, collision insurance costs $612, and liability costs around $430. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs around $3,286. Teenage drivers pay the highest rates at up to $5,640 a year.

Average premium for full coverage: $1,510

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and A4 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Audi A4 insurance rates for other coverage scenarios.

• The best discount rate is $857
• Using higher $1,000 deductibles will save approximately $208 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,510
• Using low deductibles for physical damage coverage increases the price to $1,920
• Drivers who are prone to accidents and violations could pay up to $3,286
• The price to insure a teen driver can cost as much as $5,640 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $620 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Audi A4 insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

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.

How to Shop for the Best Cheap Audi A4 Insurance

Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and possibly higher deductibles. Spend time shopping around once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a quick review of the data that was touched on above.

• You may be able to save approximately $190 per year just by quoting online in advance
• Policyholders who want additional liability coverage will pay an extra $470 per year to increase from a low limit to a 250/500 level
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $470 a month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,780 more annually than a driver with a clean driving record

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.

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.

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.

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.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A5 Insurance Rates

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