Audi A4 allroad Insurance Rates
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Michelle Robbins
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UPDATED: May 22, 2024
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The average auto insurance rates for an Audi A4 allroad are $1,484 annually including full coverage. Comprehensive costs around $318 each year, collision insurance costs $548, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $3,210. Teens cost the most to insure at up to $5,542 a year.
Average premium for full coverage: $1,484
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and A4 allroad models.
Price Range Variability
For the average 40-year-old driver, Audi A4 allroad insurance rates range from as cheap as $510 for just liability insurance to a high rate of $3,210 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.
The examples above highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
More Rate Details
The chart below breaks down average Audi A4 allroad insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $853
- Choosing higher $1,000 deductibles can save about $196 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,484
- Selecting low deductibles for comp and collision coverage will cost $1,862
- Higher-risk drivers with serious driving violations could pay at least $3,210
- Policy cost with full coverage for a 16-year-old driver can be $5,542 each year
Insurance rates for an Audi A4 allroad also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $580 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Audi A4 allroad insurance prices. A good driver about age 40 could pay as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,120 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy Affordable Audi A4 allroad Insurance
Finding cheaper rates on insurance for an Audi A4 allroad takes avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief review of the car insurance concepts touched on in this article.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,730 more every year to insure an Audi A4 allroad
- You may be able to save up to $180 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Insureds who may need increased liability limits will pay approximately $510 per year to raise limits from a 30/60 limit to higher 250/500 limits
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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