Audi A4 Insurance Rates

Are Audi A4s expensive to insure? Audi A4 insurance rates can be expensive. The average insurance for an Audi A4 will cost $1,580 a year, or $131 a month.

Read our guide to learn how to save on a variety of Audi A4 model years, such as 2019 Audi A4 car insurance costs or 2002 Audi A4 insurance costs or Audi A4 insurance cost for a 17-year-old. By the end, you’ll be able to secure cheap car insurance rates for your Audi A4.

To start comparison shopping for affordable Audi A4 auto insurance rates, enter your ZIP code into our free tool above. You can review multiple quotes from Audi A4 auto insurance companies near you.

U.S. average insurance rates for an Audi A4 are $1,580 a year for full coverage insurance. Comprehensive costs on average $362, collision costs $688, and liability coverage costs around $372. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing around $3,424. 16-year-old drivers pay the highest rates at $5,744 a year or more.

Average premium for full coverage: $1,580

Price estimates by individual coverage:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Estimates are averaged for all 50 states and for different A4 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live 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 the effect of geographic area on car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using rate averages.

Use the form below to get customized rates for your location.

Insurance Rate Analysis

The chart below illustrates estimated Audi A4 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $893
• Using higher $1,000 deductibles will save around $238 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,580
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $2,044
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,424 or more
• The price that insures a teenage driver with full coverage may cost $5,744 or more

View Chart as Image

Insurance prices for an Audi A4 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 $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can be around 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age

The state you live in has a huge impact on Audi A4 insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $710 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 $335 more per year. 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 compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Audi A4 Insurance

Getting lower rates on auto insurance requires being a safe driver, having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Here is a brief recap of the data covered in the above illustrations.

• Consumers who require more liability insurance will pay around $410 annually to increase from a low limit to the 250/500 level
• It is possible to save as much as $200 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $700 each year
• Young drivers pay the highest prices, as much as $479 a month if full coverage is included

Shopping for Audi auto insurance is the best way to save on Audi A4 auto insurance rates. Regardless of whether you are looking for 2019, 2018, 2012, 2014, or 2010 Audi A4 costs or Audi A4 insurance for a 16-year-old, as well as every model year in between, shopping for rates will help you save.

To find out how much is an Audi A4 insurance plan, enter your ZIP code in our free tool below.

What are the safety ratings of the Audi A4?

Great safety ratings and features help reduce rates, regardless of whether it is Audi A4 car insurance prices or Audi Quattro insurance. Some of the Audi A4s best safety features are brake assist, electronic stability control, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.

The 2020 Audi A4 sedan also has great crash test ratings from the Insurance Institute for Highway Safety (IIHS). See them below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The video below demonstrates one of the IIHS crash tests on the Audi A4.

The National Highway Traffic Safety Administration completed a crash test for the Audi A4. See the Audi A4 crash test results for past models in the table below.

A 5-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed very well.

Audi A4 Compared Against Other Vehicles in the Same Class

The Audi A4 is a midsize luxury car. Unfortunately, luxury vehicles tend to have higher rates. Luckily, the Insurance Institute for Highway Safety found that in comparison to other midsize luxury vehicles, the Audi A4’s liability insurance losses are better than average and substantially better than average.

See details about the Audi A4 auto insurance loss probability totals in the following table.

The higher the number, the worse the loss ratio. While the collision loss ratios are substantially worse than average for this vehicle, all other categories have average or better than average ratios.

To see how the Audi A4’s rates compare to other midsize luxury cars’ rates, take a look at the cars below.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A5 Insurance Rates

To save on Audi A4 average car insurance costs, remember to shop around for everything from 2003 Audi A4 insurance rates to Audi A4 insurance for a 19-year-old.

Before you buy Audi A4 car insurance, make sure you are getting the best deal.

Enter your five-digit ZIP code into our free rate comparison tool to find cheap Audi A4 auto insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/audi/a4-4-door-sedan/2020