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.

The average insurance prices for an Audi A4 are $1,544 every 12 months with full coverage. Comprehensive costs on average $332, collision insurance costs $656, and liability coverage is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $3,356. Teen drivers cost the most to insure at up to $5,696 a year.

Average premium for full coverage: $1,544

Policy rates by type of insurance:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all A4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why everyone should get quotes based on a specific location and their own driving history, rather than using price averages.

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

Rate Comparisons

The chart below details average Audi A4 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $874
• Choosing higher $1,000 deductibles can save around $224 annually
• The average price for a good driver age 40 with $500 deductibles is $1,544
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,980
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,356
• Policy cost to insure a teenage driver for full coverage may cost $5,696 each year

View Chart as Image

Insurance rates for an Audi A4 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your A4.

Choosing high deductibles can save as much as $660 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,800 to $2,500 additional every year, depending on your age. Audi A4 insurance for high-risk drivers ranges around 44% to 130% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,090 on average in Florida, Michigan, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Right Audi A4 Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates at every other renewal by getting quotes from direct companies, and also from local exclusive and independent agents.

The next list is a quick rundown of the concepts that were presented in the illustrations above.

• Drivers with reckless driving or DUI convictions may pay on average $1,810 more each year to buy Audi A4 insurance
• Drivers age 20 and younger pay higher rates, as much as $475 each month if full coverage is included
• You may be able to save as much as $190 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $650 each year
• You may be able to save as much as $190 per year just by quoting online well ahead of the renewal date

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.

Audi A4 Crash Test Ratings

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

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