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 $1,554 every 12 months with full coverage. Comprehensive insurance costs an estimated $346, collision insurance costs $660, and liability costs $390. Liability-only coverage costs as little as $452 a year, and high-risk coverage costs $3,372 or more. 16-year-old drivers cost the most to insure at up to $5,696 a year.

Average premium for full coverage: $1,554

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all A4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities. The example below illustrates how geographic area affects insurance prices.

The examples above demonstrate why everyone should compare rates for a targeted area and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below details average Audi A4 insurance rates for other coverage scenarios.

• The best full coverage rate is $880
• Drivers who choose higher $1,000 deductibles will pay approximately $228 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,554
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $446 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,372
• Policy cost to insure a teen driver for full coverage can cost as much as $5,696 a 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 model year and trim level.

Opting for high physical damage deductibles could save up to $680 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $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 $1,800 to $2,500 additional every year, depending on your age. Audi A4 insurance for high-risk drivers can cost as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Audi A4 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Utah, Ohio, and New Hampshire, or at least $2,100 on average in New York, Michigan, and Florida.

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 Cheaper Audi A4 Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the information presented in the illustrations above.

• You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, as much as $475 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $675 each year
• Higher risk drivers with multiple at-fault accidents may pay on average $1,820 more annually than a low-risk driver
• Policyholders who want more liability protection will pay around $430 every year to go from a 30/60 limit to a 250/500 level

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