Audi Q4 e-tron Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for an Audi Q4 e-tron are $1,558 a year including full coverage. Comprehensive insurance costs around $370 each year, collision costs $714, and liability costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing $3,384 or more. Teens cost the most to insure at $5,588 a year or more.
Average premium for full coverage: $1,558
Policy rates for type of insurance:
Estimates include $500 physical damage deductibles, 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 models.
Price Range Variability
For the normal driver, Audi Q4 e-tron insurance rates go from as low as $394 for your basic liability-only policy to a high rate of $3,384 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based 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 additional coverage choices and driver risks.
- The cheapest rate after discounts is $871
- Using higher $1,000 deductibles will save about $246 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,558
- Selecting low deductibles for physical damage coverage will cost an extra $480 annually
- High-risk insureds with serious driving violations could pay at least $3,384 or more
- Policy cost for full coverage for a 16-year-old driver can be $5,588 or more
Insurance rates for an Audi Q4 e-tron also range considerably based on your risk profile, the model of your Q4 e-tron, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,500 a year. View Rates by Age
Your home state has a huge impact on Audi Q4 e-tron insurance prices. A driver around age 40 might see rates as low as $1,190 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,220 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,408 | -$150 | -9.6% |
| Alaska | $1,196 | -$362 | -23.2% |
| Arizona | $1,294 | -$264 | -16.9% |
| Arkansas | $1,558 | -$0 | 0.0% |
| California | $1,774 | $216 | 13.9% |
| Colorado | $1,486 | -$72 | -4.6% |
| Connecticut | $1,600 | $42 | 2.7% |
| Delaware | $1,762 | $204 | 13.1% |
| Florida | $1,948 | $390 | 25.0% |
| Georgia | $1,440 | -$118 | -7.6% |
| Hawaii | $1,122 | -$436 | -28.0% |
| Idaho | $1,056 | -$502 | -32.2% |
| Illinois | $1,160 | -$398 | -25.5% |
| Indiana | $1,176 | -$382 | -24.5% |
| Iowa | $1,050 | -$508 | -32.6% |
| Kansas | $1,478 | -$80 | -5.1% |
| Kentucky | $2,126 | $568 | 36.5% |
| Louisiana | $2,306 | $748 | 48.0% |
| Maine | $964 | -$594 | -38.1% |
| Maryland | $1,286 | -$272 | -17.5% |
| Massachusetts | $1,244 | -$314 | -20.2% |
| Michigan | $2,706 | $1,148 | 73.7% |
| Minnesota | $1,306 | -$252 | -16.2% |
| Mississippi | $1,866 | $308 | 19.8% |
| Missouri | $1,382 | -$176 | -11.3% |
| Montana | $1,672 | $114 | 7.3% |
| Nebraska | $1,226 | -$332 | -21.3% |
| Nevada | $1,868 | $310 | 19.9% |
| New Hampshire | $1,124 | -$434 | -27.9% |
| New Jersey | $1,740 | $182 | 11.7% |
| New Mexico | $1,380 | -$178 | -11.4% |
| New York | $1,638 | $80 | 5.1% |
| North Carolina | $898 | -$660 | -42.4% |
| North Dakota | $1,278 | -$280 | -18.0% |
| Ohio | $1,074 | -$484 | -31.1% |
| Oklahoma | $1,598 | $40 | 2.6% |
| Oregon | $1,428 | -$130 | -8.3% |
| Pennsylvania | $1,486 | -$72 | -4.6% |
| Rhode Island | $2,078 | $520 | 33.4% |
| South Carolina | $1,412 | -$146 | -9.4% |
| South Dakota | $1,316 | -$242 | -15.5% |
| Tennessee | $1,364 | -$194 | -12.5% |
| Texas | $1,878 | $320 | 20.5% |
| Utah | $1,154 | -$404 | -25.9% |
| Vermont | $1,064 | -$494 | -31.7% |
| Virginia | $934 | -$624 | -40.1% |
| Washington | $1,204 | -$354 | -22.7% |
| West Virginia | $1,428 | -$130 | -8.3% |
| Wisconsin | $1,076 | -$482 | -30.9% |
| Wyoming | $1,386 | -$172 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $730 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,900 to $2,500 additional every year, depending on your age. Insurance for high-risk drivers can be from 45% to 136% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q4 e-tron | $404 | $750 | $316 | $1,606 |
| 2023 Audi Q4 e-tron | $384 | $720 | $332 | $1,572 |
| 2022 Audi Q4 e-tron | $370 | $714 | $338 | $1,558 |
| 2021 Audi Q4 e-tron | $356 | $698 | $354 | $1,544 |
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 Low Cost Audi Q4 e-tron Insurance
Finding cheaper rates on insurance for an Audi Q4 e-tron requires being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a review of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,830 more every year for auto insurance
- You may be able to save up to $200 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $725 each year
- Insureds who may need higher levels of liability will pay approximately $370 per year to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,588 |
| 20 | $3,606 |
| 30 | $1,644 |
| 40 | $1,558 |
| 50 | $1,420 |
| 60 | $1,396 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,038 |
| $250 | $1,814 |
| $500 | $1,558 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,558 |
| 50/100 | $1,626 |
| 100/300 | $1,710 |
| 250/500 | $1,930 |
| 100 CSL | $1,659 |
| 300 CSL | $1,845 |
| 500 CSL | $1,981 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,034 |
| 20 | $5,740 |
| 30 | $3,480 |
| 40 | $3,384 |
| 50 | $3,224 |
| 60 | $3,198 |
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 | $85 |
| Multi-vehicle | $81 |
| Homeowner | $21 |
| 5-yr Accident Free | $124 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $78 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $687 |
Discounts are estimated and may not be available from every company or in every state.
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