Audi A4 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: 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.

U.S. average insurance rates for an Audi A4 are $1,580 a year for full coverage insurance. Comprehensive costs on average $362, collision costs $688, and liability coverage costs around $372. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing around $3,424. 16-year-old drivers pay the highest rates at $5,744 a year or more.

Average premium for full coverage: $1,580

Price estimates by individual coverage:

Comprehensive $362
Collision $688
Liability $372

Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Estimates are averaged for all 50 states and for different A4 trim levels.

Price Range from Low to High

For an average driver, Audi A4 insurance prices go from the low end price of $438 for only liability insurance to a much higher rate of $3,424 for a driver required to buy high-risk insurance.

Liability Only $438
Full Coverage $1,580
High Risk $3,424

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,185
Small Cities $1,659
Large Cities $2,133

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using rate 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 illustrates estimated Audi A4 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $893
  • Using higher $1,000 deductibles will save around $238 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,580
  • Buying more expensive low deductibles for physical damage coverage bumps up the cost to $2,044
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,424 or more
  • The price that insures a teenage driver with full coverage may cost $5,744 or more

View Chart as Image

Audi A4 insurance cost comparison chart
Column chart showing full coverage Audi A4 insurance rates range from $893 to $5,744

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can be around 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age

The state you live in has a huge impact on Audi A4 insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,140 on average in Michigan, New York, and Florida.

Audi A4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,430 -$150 -9.5%
Alaska $1,214 -$366 -23.2%
Arizona $1,310 -$270 -17.1%
Arkansas $1,580 -$0 0.0%
California $1,802 $222 14.1%
Colorado $1,510 -$70 -4.4%
Connecticut $1,624 $44 2.8%
Delaware $1,790 $210 13.3%
Florida $1,980 $400 25.3%
Georgia $1,458 -$122 -7.7%
Hawaii $1,136 -$444 -28.1%
Idaho $1,070 -$510 -32.3%
Illinois $1,178 -$402 -25.4%
Indiana $1,190 -$390 -24.7%
Iowa $1,066 -$514 -32.5%
Kansas $1,502 -$78 -4.9%
Kentucky $2,156 $576 36.5%
Louisiana $2,340 $760 48.1%
Maine $976 -$604 -38.2%
Maryland $1,306 -$274 -17.3%
Massachusetts $1,266 -$314 -19.9%
Michigan $2,746 $1,166 73.8%
Minnesota $1,324 -$256 -16.2%
Mississippi $1,894 $314 19.9%
Missouri $1,402 -$178 -11.3%
Montana $1,698 $118 7.5%
Nebraska $1,248 -$332 -21.0%
Nevada $1,894 $314 19.9%
New Hampshire $1,140 -$440 -27.8%
New Jersey $1,768 $188 11.9%
New Mexico $1,400 -$180 -11.4%
New York $1,666 $86 5.4%
North Carolina $910 -$670 -42.4%
North Dakota $1,292 -$288 -18.2%
Ohio $1,090 -$490 -31.0%
Oklahoma $1,624 $44 2.8%
Oregon $1,448 -$132 -8.4%
Pennsylvania $1,510 -$70 -4.4%
Rhode Island $2,108 $528 33.4%
South Carolina $1,432 -$148 -9.4%
South Dakota $1,334 -$246 -15.6%
Tennessee $1,386 -$194 -12.3%
Texas $1,904 $324 20.5%
Utah $1,170 -$410 -25.9%
Vermont $1,082 -$498 -31.5%
Virginia $948 -$632 -40.0%
Washington $1,222 -$358 -22.7%
West Virginia $1,448 -$132 -8.4%
Wisconsin $1,094 -$486 -30.8%
Wyoming $1,408 -$172 -10.9%

View Chart as Image

Audi A4 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $710 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2024 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
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 the Best Audi A4 Insurance

Getting lower rates on auto insurance requires being a safe driver, having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Here is a brief recap of the data covered in the above illustrations.

  • Consumers who require more liability insurance will pay around $410 annually to increase from a low limit to the 250/500 level
  • It is possible to save as much as $200 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $700 each year
  • Young drivers pay the highest prices, as much as $479 a month if full coverage is included

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 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

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
Property Damage7%
Personal Injury-20%
Medical Payment12%
Bodily Injury0%

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.



Rates by Driver Age

Audi A4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,744
20 $3,656
30 $1,662
40 $1,580
50 $1,442
60 $1,414

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,044
$250 $1,828
$500 $1,580
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,580
50/100 $1,712
100/300 $1,805
250/500 $2,047
100 CSL $1,750
300 CSL $1,954
500 CSL $2,103

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 Insurance Rates for High Risk Drivers
Age Premium
16 $8,228
20 $5,814
30 $3,512
40 $3,424
50 $3,266
60 $3,236

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 $222

Potential Rate Discounts

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

Discount Savings
Multi-policy $85
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $123
5-yr Claim Free $103
Paid in Full/EFT $77
Advance Quote $81
Online Quote $114
Total Discounts $687
Rate after discounts $893

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

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