Audi Q4 e-tron Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for an Audi Q4 e-tron are $1,512 a year for full coverage insurance. Comprehensive costs on average $344, collision insurance costs $668, and liability coverage costs $364. Liability-only coverage costs as little as $416 a year, and high-risk coverage costs around $3,290. 16-year-old drivers pay the highest rates at up to $5,492 a year.
Average premium for full coverage: $1,512
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Q4 e-tron trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Audi Q4 e-tron insurance prices range from the low end price of $416 for basic liability insurance to a much higher rate of $3,290 for high-risk insurance.
Geographic Price Range
Your location has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below illustrates average Audi Q4 e-tron insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $846
- Drivers who choose higher $1,000 deductibles will pay around $228 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,512
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,962
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,290
- The price that insures a teenage driver with full coverage may cost $5,492 a year
Auto insurance prices for an Audi Q4 e-tron are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,400 in extra premium each year, depending on your age. High-risk driver insurance can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,400 a year. View Rates by Age
The state you live in makes a big difference in Audi Q4 e-tron insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,040 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,368 | -$144 | -9.5% |
| Alaska | $1,160 | -$352 | -23.3% |
| Arizona | $1,254 | -$258 | -17.1% |
| Arkansas | $1,512 | -$0 | 0.0% |
| California | $1,724 | $212 | 14.0% |
| Colorado | $1,442 | -$70 | -4.6% |
| Connecticut | $1,552 | $40 | 2.6% |
| Delaware | $1,710 | $198 | 13.1% |
| Florida | $1,890 | $378 | 25.0% |
| Georgia | $1,400 | -$112 | -7.4% |
| Hawaii | $1,088 | -$424 | -28.0% |
| Idaho | $1,026 | -$486 | -32.1% |
| Illinois | $1,126 | -$386 | -25.5% |
| Indiana | $1,142 | -$370 | -24.5% |
| Iowa | $1,020 | -$492 | -32.5% |
| Kansas | $1,434 | -$78 | -5.2% |
| Kentucky | $2,064 | $552 | 36.5% |
| Louisiana | $2,240 | $728 | 48.1% |
| Maine | $934 | -$578 | -38.2% |
| Maryland | $1,250 | -$262 | -17.3% |
| Massachusetts | $1,208 | -$304 | -20.1% |
| Michigan | $2,626 | $1,114 | 73.7% |
| Minnesota | $1,268 | -$244 | -16.1% |
| Mississippi | $1,812 | $300 | 19.8% |
| Missouri | $1,344 | -$168 | -11.1% |
| Montana | $1,624 | $112 | 7.4% |
| Nebraska | $1,192 | -$320 | -21.2% |
| Nevada | $1,814 | $302 | 20.0% |
| New Hampshire | $1,090 | -$422 | -27.9% |
| New Jersey | $1,690 | $178 | 11.8% |
| New Mexico | $1,338 | -$174 | -11.5% |
| New York | $1,592 | $80 | 5.3% |
| North Carolina | $870 | -$642 | -42.5% |
| North Dakota | $1,240 | -$272 | -18.0% |
| Ohio | $1,044 | -$468 | -31.0% |
| Oklahoma | $1,552 | $40 | 2.6% |
| Oregon | $1,386 | -$126 | -8.3% |
| Pennsylvania | $1,442 | -$70 | -4.6% |
| Rhode Island | $2,018 | $506 | 33.5% |
| South Carolina | $1,372 | -$140 | -9.3% |
| South Dakota | $1,276 | -$236 | -15.6% |
| Tennessee | $1,324 | -$188 | -12.4% |
| Texas | $1,824 | $312 | 20.6% |
| Utah | $1,118 | -$394 | -26.1% |
| Vermont | $1,034 | -$478 | -31.6% |
| Virginia | $904 | -$608 | -40.2% |
| Washington | $1,168 | -$344 | -22.8% |
| West Virginia | $1,386 | -$126 | -8.3% |
| Wisconsin | $1,044 | -$468 | -31.0% |
| Wyoming | $1,346 | -$166 | -11.0% |
Opting for high physical damage deductibles could save up to $680 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q4 e-tron | $370 | $714 | $338 | $1,558 |
| 2023 Audi Q4 e-tron | $356 | $698 | $354 | $1,544 |
| 2022 Audi Q4 e-tron | $344 | $668 | $364 | $1,512 |
| 2021 Audi Q4 e-tron | $326 | $646 | $376 | $1,484 |
Rates are averaged for all Audi Q4 e-tron models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Audi Q4 e-tron Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Comparison shop every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a summary of the material that was touched on in the above illustrations.
- Consumers who require higher liability limits will pay around $400 annually to go from a low limit to the 250/500 level
- Teenagers are charged the highest prices, as much as $458 a month if the policy includes full coverage
- Drivers who have multiple accidents or major violations may pay on average $1,780 more each year for car insurance
- Increasing physical damage deductibles can save approximately $675 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,492 |
| 20 | $3,504 |
| 30 | $1,590 |
| 40 | $1,512 |
| 50 | $1,382 |
| 60 | $1,358 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,962 |
| $250 | $1,752 |
| $500 | $1,512 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,512 |
| 50/100 | $1,585 |
| 100/300 | $1,676 |
| 250/500 | $1,912 |
| 100 CSL | $1,621 |
| 300 CSL | $1,821 |
| 500 CSL | $1,967 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,888 |
| 20 | $5,582 |
| 30 | $3,376 |
| 40 | $3,290 |
| 50 | $3,134 |
| 60 | $3,108 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $79 |
| Homeowner | $21 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $75 |
| Advance Quote | $79 |
| Online Quote | $110 |
| Total Discounts | $666 |
Discounts are estimated and may not be available from every company or in every state.
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