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 auto insurance rates for an Audi A4 are $1,554 annually including full coverage. Comprehensive insurance costs around $346, collision costs $660, and liability coverage costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing $3,372 or more. Teenage drivers cost the most to insure at $5,696 a year or more.

Average premium for full coverage: $1,554

Policy rates for type of insurance:

Prices are based on $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 for all A4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance rates.

The examples above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $880
• Using higher $1,000 deductibles will save about $228 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,554
• Using pricier low deductibles for physical damage coverage costs an additional $446 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,372 or more
• Policy cost with full coverage for a teenage driver for full coverage can be $5,696 or more

View Chart as Image

Insurance rates for an Audi A4 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. Audi A4 insurance for high-risk drivers can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $680 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi A4 insurance rates. A driver around age 40 might see rates as low as $1,190 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,220 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy Affordable Audi A4 Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the material that was covered in the charts and tables above.

• Consumers who may need additional liability coverage will pay an extra $430 per year to increase from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $475 each month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,820 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $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