Audi Q4 e-tron Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for an Audi Q4 e-tron are $1,512 a year including full coverage. Comprehensive insurance costs an estimated $344 a year, collision costs $668, and liability insurance is $364. Buying just liability costs around $416 a year, with insurance for high-risk drivers costing $3,290 or more. Teens cost the most to insure at $5,492 a year or more.
Average premium for full coverage: $1,512
Policy rates broken down by type of insurance:
Includes $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Q4 e-tron trim levels.
Price Range Variability
For the average 40-year-old driver, Audi Q4 e-tron insurance rates go from the low end price of $416 for your basic liability-only policy to a high of $3,290 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on insurance prices.
The examples above highlight why it is important to compare rates quotes for a targeted area, rather than relying on averaged prices.
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.
More Rate Information
The chart below breaks down estimated Audi Q4 e-tron insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $846
- Raising to $1,000 deductibles will save approximately $1,284 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,512
- Selecting low $100 deductibles will cost an additional $450 a year
- Higher-risk drivers with serious driving violations could pay up to $3,290 or more
- Policy cost that insures a teen driver can cost as much as $5,492
Insurance rates for an Audi Q4 e-tron also range considerably based on the trim level of your Q4 e-tron, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,400 a year. View Rates by Age
Your home state also has a big influence on Audi Q4 e-tron insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,160 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $680 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, so the rates will be varied.
| 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 the Cheapest Audi Q4 e-tron Insurance
Finding cheaper rates on Audi Q4 e-tron insurance consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates at least every other year by quoting rates from direct car insurance companies, and also from your local car insurance providers.
The next list is a recap of the car insurance concepts touched on in this article.
- High-risk drivers that have major violations or accidents could be charged and average of $1,780 more annually to buy Audi Q4 e-tron insurance
- You may be able to save approximately $190 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $675 each year
- Drivers who want increased levels of liability coverage will pay approximately $400 per year to raise from a 30/60 limit to the 250/500 level
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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