Audi A4 allroad Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 22, 2024
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The average insurance rates for an Audi A4 allroad are $1,484 a year with full coverage. Comprehensive costs approximately $318 each year, collision costs $548, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $3,210. Teen drivers cost the most to insure at $5,542 a year or more.
Average premium for full coverage: $1,484
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and A4 allroad models.
Price Range Variability
For an average driver, Audi A4 allroad insurance rates go from as low as $510 for basic liability insurance to a high rate of $3,210 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance prices.
The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on price averages.
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.
Rate Comparisons
The chart below details estimated Audi A4 allroad insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $853
- Drivers who choose higher $1,000 deductibles will pay $196 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,484
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,862
- Drivers with multiple violations and an at-fault accident could pay around $3,210 or more
- Policy cost for full coverage for a 16-year-old driver can cost $5,542 a year
Auto insurance rates for an Audi A4 allroad also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,500 a year. View Rates by Age
Your home state makes a big difference in Audi A4 allroad insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,000 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,340 | -$144 | -9.7% |
| Alaska | $1,138 | -$346 | -23.3% |
| Arizona | $1,232 | -$252 | -17.0% |
| Arkansas | $1,484 | -$0 | 0.0% |
| California | $1,690 | $206 | 13.9% |
| Colorado | $1,416 | -$68 | -4.6% |
| Connecticut | $1,524 | $40 | 2.7% |
| Delaware | $1,678 | $194 | 13.1% |
| Florida | $1,854 | $370 | 24.9% |
| Georgia | $1,370 | -$114 | -7.7% |
| Hawaii | $1,066 | -$418 | -28.2% |
| Idaho | $1,004 | -$480 | -32.3% |
| Illinois | $1,104 | -$380 | -25.6% |
| Indiana | $1,116 | -$368 | -24.8% |
| Iowa | $1,000 | -$484 | -32.6% |
| Kansas | $1,410 | -$74 | -5.0% |
| Kentucky | $2,024 | $540 | 36.4% |
| Louisiana | $2,194 | $710 | 47.8% |
| Maine | $916 | -$568 | -38.3% |
| Maryland | $1,224 | -$260 | -17.5% |
| Massachusetts | $1,188 | -$296 | -19.9% |
| Michigan | $2,576 | $1,092 | 73.6% |
| Minnesota | $1,242 | -$242 | -16.3% |
| Mississippi | $1,776 | $292 | 19.7% |
| Missouri | $1,316 | -$168 | -11.3% |
| Montana | $1,592 | $108 | 7.3% |
| Nebraska | $1,170 | -$314 | -21.2% |
| Nevada | $1,778 | $294 | 19.8% |
| New Hampshire | $1,068 | -$416 | -28.0% |
| New Jersey | $1,658 | $174 | 11.7% |
| New Mexico | $1,314 | -$170 | -11.5% |
| New York | $1,562 | $78 | 5.3% |
| North Carolina | $854 | -$630 | -42.5% |
| North Dakota | $1,214 | -$270 | -18.2% |
| Ohio | $1,024 | -$460 | -31.0% |
| Oklahoma | $1,524 | $40 | 2.7% |
| Oregon | $1,358 | -$126 | -8.5% |
| Pennsylvania | $1,414 | -$70 | -4.7% |
| Rhode Island | $1,980 | $496 | 33.4% |
| South Carolina | $1,344 | -$140 | -9.4% |
| South Dakota | $1,252 | -$232 | -15.6% |
| Tennessee | $1,300 | -$184 | -12.4% |
| Texas | $1,788 | $304 | 20.5% |
| Utah | $1,098 | -$386 | -26.0% |
| Vermont | $1,014 | -$470 | -31.7% |
| Virginia | $888 | -$596 | -40.2% |
| Washington | $1,146 | -$338 | -22.8% |
| West Virginia | $1,358 | -$126 | -8.5% |
| Wisconsin | $1,028 | -$456 | -30.7% |
| Wyoming | $1,322 | -$162 | -10.9% |
Choosing high deductibles could save up to $580 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi A4 allroad | $406 | $774 | $398 | $1,736 |
| 2023 Audi A4 allroad | $394 | $756 | $416 | $1,724 |
| 2022 Audi A4 allroad | $380 | $724 | $430 | $1,692 |
| 2021 Audi A4 allroad | $358 | $698 | $442 | $1,656 |
| 2020 Audi A4 allroad | $344 | $648 | $452 | $1,602 |
| 2018 Audi A4 allroad | $318 | $548 | $460 | $1,484 |
| 2017 Audi A4 allroad | $296 | $504 | $460 | $1,418 |
Rates are averaged for all Audi A4 allroad 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 the Cheapest Audi A4 allroad Insurance
Finding cheaper rates on insurance for an Audi A4 allroad not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a recap of the concepts that were covered in the above illustrations.
- Drivers considered higher risk that have major violations or accidents pay on average $1,730 more per year for car insurance
- Teenagers have the highest car insurance rates, as much as $462 each month if they have full coverage
- You may be able to save around $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $575 each year
- You may be able to save around $180 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,542 |
| 20 | $3,414 |
| 30 | $1,544 |
| 40 | $1,484 |
| 50 | $1,354 |
| 60 | $1,328 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,862 |
| $250 | $1,688 |
| $500 | $1,484 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,484 |
| 50/100 | $1,576 |
| 100/300 | $1,691 |
| 250/500 | $1,990 |
| 100 CSL | $1,622 |
| 300 CSL | $1,875 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,912 |
| 20 | $5,438 |
| 30 | $3,280 |
| 40 | $3,210 |
| 50 | $3,064 |
| 60 | $3,038 |
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 | $80 |
| Multi-vehicle | $78 |
| Homeowner | $22 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $67 |
| Advance Quote | $73 |
| Online Quote | $106 |
| Total Discounts | $631 |
Discounts are estimated and may not be available from every company or in every state.
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