Audi Q4 e-tron Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for an Audi Q4 e-tron are $1,544 a year for full coverage insurance. Comprehensive insurance costs on average $356 each year, collision costs $698, and liability coverage costs around $354. Liability-only insurance costs as low as $406 a year, with high-risk driver insurance costing $3,356 or more. Teenage drivers pay the highest rates at $5,570 a year or more.
Average premium for full coverage: $1,544
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Q4 e-tron models.
Price Range from Low to High
For an average driver, Audi Q4 e-tron insurance prices go from the low end price of $406 for the bare minimum liability coverage to a high rate of $3,356 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location, rather than using average rates.
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 Rate Information
The chart below illustrates estimated Audi Q4 e-tron insurance rates for different risk profiles and scenarios.
- The best discount rate is $862
- Using higher $1,000 deductibles will save around $238 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,544
- Using low deductibles for physical damage coverage will cost an additional $466 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,356 or more
- The price that insures a teenage driver may cost $5,570 or more
Car insurance prices for an Audi Q4 e-tron are also quite variable based on the trim level and model year, 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 $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be around 45% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,500 a year. View Rates by Age
The state you live in has a huge impact on Audi Q4 e-tron insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,080 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could cut prices by as much as $710 a year, whereas increasing 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 $318 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.
| 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 the Right Audi Q4 e-tron Insurance
Getting lower rates on auto insurance requires having a decent driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a quick rundown of the data that was covered in the above illustrations.
- It is possible to save as much as $190 per year simply by quoting online in advance
- Consumers who require additional liability coverage will pay an extra $390 annually to increase from a low limit to the 250/500 level
- 16 to 18-year-old drivers are expensive to insure, as much as $464 a month if full coverage is purchased
- Drivers with reckless driving or DUI convictions may pay on average $1,810 more each year than a driver with a clean driving record
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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