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.

Average auto insurance rates for an Audi A4 are $1,544 annually for full coverage. Comprehensive insurance costs an estimated $332, collision costs $656, and liability coverage is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing $3,356 or more. 16-year-old drivers receive the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,544

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different A4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than congested cities.

The price range example below illustrates how geographic area affects insurance prices.

These examples show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

Detailed Rate Analysis

The chart below shows estimated Audi A4 insurance rates for other coverage scenarios.

• The best full coverage rate is $874
• Choosing higher $1,000 deductibles can save approximately $224 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,544
• Buying more expensive low deductibles for comp and collision coverage costs an additional $436 each year
• Drivers with multiple tickets or accidents could pay up to $3,356 or more
• The cost with full coverage for a teenage driver with full coverage can cost as much as $5,696 each year

View Chart as Image

Auto insurance rates for an Audi A4 can also vary considerably based on the trim level of your A4, your driver profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $5,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $660 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Iowa, Maine, and Idaho, or at least $2,200 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different 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 Cheap Audi A4 Insurance

Saving money on auto insurance takes being a low-risk driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief summary of the data presented in the illustrations above.

• Consumers who want more liability coverage will pay around $440 each year to raise limits from a minimum limit to higher 250/500 limits
• Drivers can save approximately $190 per year simply by shopping early and online
• Increasing deductibles could save up to $650 each year
• Teen drivers are the costliest to insure, costing as high as $475 per month if full coverage is included

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