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 $1,544 a year for full coverage. Comprehensive insurance costs approximately $332 each year, collision insurance costs $656, and liability insurance is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,356 or more. Teens pay the highest rates at up to $5,696 a year.

Average premium for full coverage: $1,544

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and A4 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why all drivers should get quotes using their specific location, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $874
• Choosing higher $1,000 deductibles can save $224 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,544
• Selecting low deductibles for comp and collision coverage will cost an additional $436 a year
• High-risk insureds with serious driving violations could pay around $3,356
• The price that insures a teen driver can cost $5,696 each year

View Chart as Image

Auto insurance prices for an Audi A4 are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,200 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $660 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

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 Find Cheap Audi A4 Insurance

Getting lower rates on Audi A4 insurance takes being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Compare rates every other policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below is a brief summary of the ideas that were covered above.

• Teenage drivers have the highest car insurance prices, with premiums as much as $475 a month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,810 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $650 each year
• Drivers can save around $190 per year just by quoting online in advance

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