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 $1,484 a year for full coverage. Comprehensive costs an estimated $292 a year, collision insurance costs $592, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs around $3,238. Teenage drivers pay the highest rates at up to $5,594 a year.

Average premium for full coverage: $1,484

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and A4 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above show why it is important to compare rates quotes for a targeted area, instead of using average rates.

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

Additional Charts and Tables

The chart below shows average Audi A4 insurance rates for other coverage scenarios.

• The best discount rate is $843
• Raising to $1,000 deductibles will save approximately $1,284 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,484
• Using low $100 deductibles bumps up the cost to $1,876
• At-risk drivers who are prone to accidents and violations could pay up to $3,238
• The price that insures a teen driver can cost as much as $5,594

View Chart as Image

Insurance prices for an Audi A4 are also quite variable based on the trim level of your A4, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,800 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,500 a year. View Rates by Age

The state you live in also has a big influence on Audi A4 insurance prices. A middle-age driver might find prices as low as $980 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,120 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $600 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Cheapest Audi A4 Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The list below is a recap of the information covered in the charts and tables above.

• Drivers can save approximately $180 per year just by quoting early and online
• Teenagers are expensive to insure, with premiums as much as $466 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $600 each year
• Higher risk drivers that have major violations or accidents may pay on average $1,750 more annually for car insurance
• Policyholders who want higher liability limits will pay an extra $490 each year to raise from a low limit to the 250/500 level

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