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 $1,544 a year including full coverage. Comprehensive insurance costs around $332 a year, collision costs $656, and liability coverage costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing $3,356 or more. Teens cost the most to insure at $5,696 a year or more.

Average premium for full coverage: $1,544

Policy rates for type of insurance:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and A4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Audi A4 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $874
• Drivers who choose higher $1,000 deductibles will pay about $1,320 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,544
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $436 each year
• High-risk insureds with serious driving violations could pay at least $3,356 or more
• Policy cost for full coverage for a teenage driver can be $5,696 a year

View Chart as Image

Insurance rates for an Audi A4 also range considerably based on your risk profile, the model of your A4, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,600 a year. View Rates by Age

Your home state makes a big difference in Audi A4 insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,200 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $660 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every company calculates rates differently, so the rates will be varied from one company to the next.

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 Cheap Audi A4 Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief summary of the information raised in the charts and tables above.

• You may be able to save up to $190 per year simply by quoting early and online
• Teenage drivers pay higher rates, with premiums being up to $475 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $650 each year
• Drivers that tend to have accidents or serious violations pay on average $1,810 more every year for auto insurance
• Consumers who may need higher levels of liability will pay approximately $440 per year to go from a 30/60 limit 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.

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