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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Estimated insurance rates for an Audi Q4 e-tron are $1,544 a year for full coverage insurance. Comprehensive costs an estimated $356, collision costs $698, and liability is $354. A liability-only policy costs around $406 a year, with high-risk insurance costing around $3,356. 16-year-old drivers pay the most at $5,570 a year or more.
Average premium for full coverage: $1,544
Premium estimates broken down by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Q4 e-tron models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for an Audi Q4 e-tron go from as low as $406 for liability-only coverage to the much higher price of $3,356 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
These rate differences illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on 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.
Additional Charts and Tables
The chart below illustrates estimated Audi Q4 e-tron insurance rates for other coverage scenarios.
- The best full coverage rate is $862
- Raising to $1,000 deductibles will save approximately $238 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,544
- Buying pricier low deductibles will increase the cost to $2,010
- Drivers with multiple tickets or accidents could pay up to $3,356 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $5,570
Auto insurance prices for an Audi Q4 e-tron also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,500 a year. View Rates by Age
Where you choose to live also has a big influence on Audi Q4 e-tron insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,080 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,394 | -$150 | -9.7% |
| Alaska | $1,184 | -$360 | -23.3% |
| Arizona | $1,280 | -$264 | -17.1% |
| Arkansas | $1,544 | -$0 | 0.0% |
| California | $1,760 | $216 | 14.0% |
| Colorado | $1,472 | -$72 | -4.7% |
| Connecticut | $1,584 | $40 | 2.6% |
| Delaware | $1,746 | $202 | 13.1% |
| Florida | $1,928 | $384 | 24.9% |
| Georgia | $1,426 | -$118 | -7.6% |
| Hawaii | $1,108 | -$436 | -28.2% |
| Idaho | $1,046 | -$498 | -32.3% |
| Illinois | $1,150 | -$394 | -25.5% |
| Indiana | $1,164 | -$380 | -24.6% |
| Iowa | $1,040 | -$504 | -32.6% |
| Kansas | $1,464 | -$80 | -5.2% |
| Kentucky | $2,104 | $560 | 36.3% |
| Louisiana | $2,284 | $740 | 47.9% |
| Maine | $952 | -$592 | -38.3% |
| Maryland | $1,274 | -$270 | -17.5% |
| Massachusetts | $1,232 | -$312 | -20.2% |
| Michigan | $2,680 | $1,136 | 73.6% |
| Minnesota | $1,292 | -$252 | -16.3% |
| Mississippi | $1,850 | $306 | 19.8% |
| Missouri | $1,370 | -$174 | -11.3% |
| Montana | $1,658 | $114 | 7.4% |
| Nebraska | $1,216 | -$328 | -21.2% |
| Nevada | $1,850 | $306 | 19.8% |
| New Hampshire | $1,112 | -$432 | -28.0% |
| New Jersey | $1,726 | $182 | 11.8% |
| New Mexico | $1,366 | -$178 | -11.5% |
| New York | $1,624 | $80 | 5.2% |
| North Carolina | $890 | -$654 | -42.4% |
| North Dakota | $1,264 | -$280 | -18.1% |
| Ohio | $1,064 | -$480 | -31.1% |
| Oklahoma | $1,582 | $38 | 2.5% |
| Oregon | $1,414 | -$130 | -8.4% |
| Pennsylvania | $1,472 | -$72 | -4.7% |
| Rhode Island | $2,058 | $514 | 33.3% |
| South Carolina | $1,400 | -$144 | -9.3% |
| South Dakota | $1,302 | -$242 | -15.7% |
| Tennessee | $1,350 | -$194 | -12.6% |
| Texas | $1,860 | $316 | 20.5% |
| Utah | $1,142 | -$402 | -26.0% |
| Vermont | $1,054 | -$490 | -31.7% |
| Virginia | $924 | -$620 | -40.2% |
| Washington | $1,192 | -$352 | -22.8% |
| West Virginia | $1,416 | -$128 | -8.3% |
| Wisconsin | $1,064 | -$480 | -31.1% |
| Wyoming | $1,374 | -$170 | -11.0% |
Opting for high physical damage deductibles can reduce prices by up to $710 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,800 to $2,500 in extra premium annually, depending on your age. Audi Q4 e-tron insurance for high-risk drivers is expensive and can cost from 45% to 130% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q4 e-tron | $384 | $720 | $332 | $1,572 |
| 2023 Audi Q4 e-tron | $370 | $714 | $338 | $1,558 |
| 2022 Audi Q4 e-tron | $356 | $698 | $354 | $1,544 |
| 2021 Audi Q4 e-tron | $344 | $668 | $364 | $1,512 |
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
Finding better rates on insurance for an Audi Q4 e-tron consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a summary of the data that was presented in the illustrations above.
- It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
- Insureds who want higher liability limits will pay around $390 annually to raise from 30/60 bodily injury limits to 250/500 limits
- Teenagers are the costliest to insure, with premiums being up to $464 per month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,810 more annually for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,570 |
| 20 | $3,576 |
| 30 | $1,626 |
| 40 | $1,544 |
| 50 | $1,408 |
| 60 | $1,382 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,010 |
| $250 | $1,792 |
| $500 | $1,544 |
| $1,000 | $1,306 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,544 |
| 50/100 | $1,615 |
| 100/300 | $1,703 |
| 250/500 | $1,933 |
| 100 CSL | $1,650 |
| 300 CSL | $1,845 |
| 500 CSL | $1,987 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,008 |
| 20 | $5,694 |
| 30 | $3,448 |
| 40 | $3,356 |
| 50 | $3,198 |
| 60 | $3,170 |
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 | $84 |
| Multi-vehicle | $81 |
| Homeowner | $21 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $77 |
| Advance Quote | $81 |
| Online Quote | $113 |
| Total Discounts | $682 |
Discounts are estimated and may not be available from every company or in every state.
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