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.

Average auto insurance rates for an Audi A4 are $1,534 annually including full coverage. Comprehensive costs approximately $320 each year, collision insurance costs $640, and liability coverage is estimated at $416. A liability-only policy costs approximately $474 a year, and high-risk insurance costs around $3,340. Teens receive the highest rates at up to $5,700 a year.

Average premium for full coverage: $1,534

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and A4 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.

These examples highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

The chart below breaks down average Audi A4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $869
• Choosing higher $1,000 deductibles can save $218 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,534
• Selecting low deductibles for comp and collision coverage will cost $1,960
• Drivers with serious driving violations could pay around $3,340
• The cost with full coverage for a teenage driver can cost $5,700 each year

View Chart as Image

Insurance rates for an Audi A4 can also vary considerably based on the trim level of your A4, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $650 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,180 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,190 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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 Buy the Best Audi A4 Insurance

Saving money on auto insurance takes being a good driver, having a good credit history, not filing small claims, and possibly raising deductibles. Invest the time to compare rates once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following list is a brief recap of the data that was presented in the illustrations above.

• You may be able to save around $190 per year just by quoting online in advance
• Consumers who purchase an increased level of liability coverage will pay approximately $460 per year to raise limits from a minimum limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $475 per month including comprehensive and collision insurance
• Drivers who tend to receive serious violations may have to pay on average $1,810 more per year than a safer driver

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.

Audi A4 Crash Test Ratings

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.

Audi A4 Insurance Loss Probability

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