Audi A4 Insurance Rates
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UPDATED: Mar 30, 2024
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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.
Estimated insurance rates for an Audi A4 are $1,554 a year for full coverage insurance. Comprehensive insurance costs an estimated $346 a year, collision costs $660, and liability insurance is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing $3,372 or more. Teens pay the most at $5,696 a year or more.
Average premium for full coverage: $1,554
Premium estimates broken down by type of coverage:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and A4 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for an Audi A4 go from as low as $452 for liability-only coverage to a high of $3,372 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on insurance prices.
These rate differences illustrate why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on 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 Charts and Tables
The chart below illustrates estimated Audi A4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $880
- Raising to $1,000 deductibles will save approximately $1,326 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,554
- Selecting low $100 deductibles will cost an extra $446 a year
- Higher-risk drivers with serious driving violations could pay up to $3,372 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $5,696
Auto insurance prices for an Audi A4 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,600 a year. View Rates by Age
Where you choose to live also has a big influence on Audi A4 insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,100 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,406 | -$148 | -9.5% |
Alaska | $1,192 | -$362 | -23.3% |
Arizona | $1,290 | -$264 | -17.0% |
Arkansas | $1,554 | -$0 | 0.0% |
California | $1,772 | $218 | 14.0% |
Colorado | $1,486 | -$68 | -4.4% |
Connecticut | $1,598 | $44 | 2.8% |
Delaware | $1,762 | $208 | 13.4% |
Florida | $1,946 | $392 | 25.2% |
Georgia | $1,436 | -$118 | -7.6% |
Hawaii | $1,116 | -$438 | -28.2% |
Idaho | $1,052 | -$502 | -32.3% |
Illinois | $1,158 | -$396 | -25.5% |
Indiana | $1,170 | -$384 | -24.7% |
Iowa | $1,050 | -$504 | -32.4% |
Kansas | $1,478 | -$76 | -4.9% |
Kentucky | $2,122 | $568 | 36.6% |
Louisiana | $2,302 | $748 | 48.1% |
Maine | $960 | -$594 | -38.2% |
Maryland | $1,284 | -$270 | -17.4% |
Massachusetts | $1,244 | -$310 | -19.9% |
Michigan | $2,702 | $1,148 | 73.9% |
Minnesota | $1,302 | -$252 | -16.2% |
Mississippi | $1,862 | $308 | 19.8% |
Missouri | $1,378 | -$176 | -11.3% |
Montana | $1,670 | $116 | 7.5% |
Nebraska | $1,226 | -$328 | -21.1% |
Nevada | $1,864 | $310 | 19.9% |
New Hampshire | $1,120 | -$434 | -27.9% |
New Jersey | $1,738 | $184 | 11.8% |
New Mexico | $1,378 | -$176 | -11.3% |
New York | $1,638 | $84 | 5.4% |
North Carolina | $896 | -$658 | -42.3% |
North Dakota | $1,274 | -$280 | -18.0% |
Ohio | $1,074 | -$480 | -30.9% |
Oklahoma | $1,596 | $42 | 2.7% |
Oregon | $1,424 | -$130 | -8.4% |
Pennsylvania | $1,484 | -$70 | -4.5% |
Rhode Island | $2,076 | $522 | 33.6% |
South Carolina | $1,410 | -$144 | -9.3% |
South Dakota | $1,312 | -$242 | -15.6% |
Tennessee | $1,362 | -$192 | -12.4% |
Texas | $1,874 | $320 | 20.6% |
Utah | $1,150 | -$404 | -26.0% |
Vermont | $1,064 | -$490 | -31.5% |
Virginia | $932 | -$622 | -40.0% |
Washington | $1,200 | -$354 | -22.8% |
West Virginia | $1,426 | -$128 | -8.2% |
Wisconsin | $1,078 | -$476 | -30.6% |
Wyoming | $1,386 | -$168 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $680 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices will be substantially 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 | $1,498 | $125 |
Audi A4 2.0T Premium Turbo 4-Dr Sedan | $1,480 | $123 |
Audi A4 2.0T Quattro Premium Turbo 4-Dr Sedan | $1,480 | $123 |
Audi A4 2.0T Quattro Premium Plus Turbo Station Wagon | $1,540 | $128 |
Audi A4 2.0T Premium Plus Turbo 4-Dr Sedan | $1,524 | $127 |
Audi A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan | $1,524 | $127 |
Audi A4 2.0T Quattro Premium Plus 4-Dr Sedan | $1,524 | $127 |
Audi A4 2.0T Quattro Prestige Turbo Station Wagon | $1,584 | $132 |
Audi A4 2.0T Quattro Prestige Turbo 4-Dr Sedan | $1,610 | $134 |
Audi A4 2.0T Quattro Prestige 4-Dr Sedan | $1,610 | $134 |
Rates assume 2023 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 |
---|---|---|---|---|
2024 Audi A4 | $362 | $688 | $372 | $1,580 |
2023 Audi A4 | $346 | $660 | $390 | $1,554 |
2022 Audi A4 | $332 | $656 | $398 | $1,544 |
2021 Audi A4 | $320 | $640 | $416 | $1,534 |
2020 Audi A4 | $310 | $612 | $430 | $1,510 |
2019 Audi A4 | $292 | $592 | $442 | $1,484 |
2018 Audi A4 | $282 | $548 | $452 | $1,440 |
2017 Audi A4 | $270 | $516 | $456 | $1,400 |
2016 Audi A4 | $258 | $464 | $460 | $1,340 |
2015 Audi A4 | $242 | $426 | $460 | $1,286 |
2014 Audi A4 | $234 | $400 | $464 | $1,256 |
2013 Audi A4 | $228 | $374 | $474 | $1,234 |
2012 Audi A4 | $210 | $346 | $474 | $1,188 |
2011 Audi A4 | $206 | $314 | $478 | $1,156 |
2010 Audi A4 | $192 | $288 | $474 | $1,112 |
2009 Audi A4 | $180 | $262 | $474 | $1,074 |
2008 Audi A4 | $174 | $234 | $468 | $1,034 |
2007 Audi A4 | $172 | $230 | $460 | $1,020 |
2006 Audi A4 | $168 | $218 | $452 | $996 |
2005 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 Low Cost Audi A4 Insurance
Finding better rates on Audi A4 insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a review of the information touched on in this article.
- It is possible to save approximately $190 per year simply by quoting early and online
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $475 per month if they have full coverage
- Increasing policy deductibles can save around $675 each year
- High-risk drivers who have several accidents or serious violations pay on average $1,820 more annually than a safer driver
- Drivers who want an increased level of liability coverage will pay approximately $430 annually to raise from 30/60 bodily injury limits to 250/500 limits
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.
Audi A4 Crash Test RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
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 |
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 ProbabilityInsurance Coverage Category | Loss Rate |
---|---|
Collision | 79% |
Property Damage | 7% |
Comprehensive | 3% |
Personal Injury | -20% |
Medical Payment | 12% |
Bodily Injury | 0% |
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
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,696 |
20 | $3,598 |
30 | $1,630 |
40 | $1,554 |
50 | $1,418 |
60 | $1,392 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,000 |
$250 | $1,794 |
$500 | $1,554 |
$1,000 | $1,326 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,554 |
50/100 | $1,688 |
100/300 | $1,786 |
250/500 | $2,039 |
100 CSL | $1,727 |
300 CSL | $1,942 |
500 CSL | $2,098 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $8,154 |
20 | $5,728 |
30 | $3,454 |
40 | $3,372 |
50 | $3,214 |
60 | $3,188 |
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 | $84 |
Multi-vehicle | $81 |
Homeowner | $22 |
5-yr Accident Free | $120 |
5-yr Claim Free | $101 |
Paid in Full/EFT | $75 |
Advance Quote | $79 |
Online Quote | $112 |
Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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