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 rates for an Audi A4 are $1,554 a year including full coverage. Comprehensive costs approximately $346 a year, collision insurance costs $660, and liability insurance is estimated at $390. Buying just liability costs approximately $452 a year, and insurance for high-risk drivers costs around $3,372. Teenage drivers cost the most to insure at up to $5,696 a year.

Average premium for full coverage: $1,554

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and A4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $880
• Choosing higher $1,000 deductibles can save $1,326 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,554
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $2,000
• High-risk insureds who are prone to accidents and violations could pay around $3,372
• Policy cost that insures a teen driver can cost $5,696 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,600 a year. View Rates by Age

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 $1,190 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,220 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $680 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

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 Find More Affordable Audi A4 Insurance

Finding cheaper rates on Audi A4 insurance takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices every couple of years by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following items are a summary of the material that was presented in the illustrations above.

• Drivers who purchase additional liability coverage will pay an extra $430 per year to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $475 each month if full coverage is included
• High-risk drivers who have multiple accidents or major violations will likely pay on average $1,820 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $675 each year

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