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.

Estimated insurance prices for an Audi A4 are $1,544 every 12 months including full coverage. Comprehensive costs approximately $332 a year, collision insurance costs $656, and liability coverage is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs around $3,356. Teens pay the most at up to $5,696 a year.

Average premium for full coverage: $1,544

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and A4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down average Audi A4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $874
• Choosing higher $1,000 deductibles can save $1,320 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,544
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,980
• Drivers with serious driving violations could pay around $3,356
• An auto insurance policy to insure a teenage driver can cost $5,696 each year

View Chart as Image

Insurance prices for an Audi A4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your A4.

Choosing higher comprehensive and collision insurance deductibles can save as much as $660 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,180 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,200 on average in Louisiana, New York, and Michigan.

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 Cheapest Audi A4 Insurance

Finding better rates on auto insurance takes being a low-risk driver, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Make time to compare rates once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a recap of the data that was touched on in this article.

• You may be able to save around $190 per year just by quoting early and online
• Consumers who purchase more liability coverage will pay approximately $440 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are the costliest to insure, with the cost nearing $475 per month if full coverage is included
• Drivers that have major violations or accidents could be charged and average of $1,810 more per year to insure their A4

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