Audi A4 allroad Insurance Rates

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UPDATED: May 22, 2024

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U.S. average auto insurance rates for an Audi A4 allroad are $1,556 annually for full coverage insurance. Comprehensive insurance costs approximately $332, collision insurance costs $610, and liability insurance is $456. A policy with just liability insurance costs around $508 a year, and coverage for high-risk drivers costs $3,378 or more. Teenage drivers pay the highest rates at up to $5,790 a year.

Average premium for full coverage: $1,556

Price estimates by individual coverage:

Comprehensive $332
Collision $610
Liability $456

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different A4 allroad trim levels.

Price Range from Low to High

For the average 40-year-old driver, Audi A4 allroad insurance prices range from as cheap as $508 for a discount liability-only rate to a much higher rate of $3,378 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,556
High Risk $3,378

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,167
Small Cities $1,634
Large Cities $2,101

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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.

Rates by State, City, and Model

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

  • The best discount rate is $885
  • Raising to $1,000 deductibles will save $214 each year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,556
  • Using more expensive low deductibles costs an additional $416 a year
  • Higher-risk drivers who are prone to accidents and violations could pay around $3,378
  • The price with full coverage for a teen driver with full coverage can cost $5,790

View Chart as Image

Audi A4 allroad insurance cost comparison chart
Column chart showing Audi A4 allroad insurance prices range from $885 to $5,790 for full coverage

Insurance prices for an Audi A4 allroad are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage 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 have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $630 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Audi A4 allroad insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,100 on average in Florida, New York, and Michigan.

Audi A4 allroad Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,408 -$148 -9.5%
Alaska $1,194 -$362 -23.3%
Arizona $1,290 -$266 -17.1%
Arkansas $1,556 -$0 0.0%
California $1,774 $218 14.0%
Colorado $1,488 -$68 -4.4%
Connecticut $1,600 $44 2.8%
Delaware $1,760 $204 13.1%
Florida $1,948 $392 25.2%
Georgia $1,436 -$120 -7.7%
Hawaii $1,118 -$438 -28.1%
Idaho $1,052 -$504 -32.4%
Illinois $1,160 -$396 -25.4%
Indiana $1,172 -$384 -24.7%
Iowa $1,050 -$506 -32.5%
Kansas $1,478 -$78 -5.0%
Kentucky $2,124 $568 36.5%
Louisiana $2,302 $746 47.9%
Maine $960 -$596 -38.3%
Maryland $1,284 -$272 -17.5%
Massachusetts $1,244 -$312 -20.1%
Michigan $2,702 $1,146 73.7%
Minnesota $1,304 -$252 -16.2%
Mississippi $1,864 $308 19.8%
Missouri $1,380 -$176 -11.3%
Montana $1,672 $116 7.5%
Nebraska $1,226 -$330 -21.2%
Nevada $1,864 $308 19.8%
New Hampshire $1,120 -$436 -28.0%
New Jersey $1,738 $182 11.7%
New Mexico $1,378 -$178 -11.4%
New York $1,638 $82 5.3%
North Carolina $896 -$660 -42.4%
North Dakota $1,272 -$284 -18.3%
Ohio $1,074 -$482 -31.0%
Oklahoma $1,598 $42 2.7%
Oregon $1,426 -$130 -8.4%
Pennsylvania $1,484 -$72 -4.6%
Rhode Island $2,076 $520 33.4%
South Carolina $1,410 -$146 -9.4%
South Dakota $1,314 -$242 -15.6%
Tennessee $1,362 -$194 -12.5%
Texas $1,874 $318 20.4%
Utah $1,152 -$404 -26.0%
Vermont $1,066 -$490 -31.5%
Virginia $932 -$624 -40.1%
Washington $1,204 -$352 -22.6%
West Virginia $1,426 -$130 -8.4%
Wisconsin $1,078 -$478 -30.7%
Wyoming $1,386 -$170 -10.9%

View Chart as Image

Audi A4 allroad insurance rates by U.S. city
Audi A4 allroad Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A4 allroad $424 $780 $390 $1,752
2023 Audi A4 allroad $406 $774 $398 $1,736
2022 Audi A4 allroad $394 $756 $416 $1,724
2021 Audi A4 allroad $380 $724 $430 $1,692
2020 Audi A4 allroad $358 $698 $442 $1,656
2018 Audi A4 allroad $332 $610 $456 $1,556
2017 Audi A4 allroad $318 $548 $460 $1,484

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 the Right Audi A4 allroad Insurance

Getting lower rates on Audi A4 allroad insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and possibly raising deductibles. Make time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a quick rundown of the concepts that were touched on in this article.

  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,820 more per year for auto insurance
  • Teenage drivers are expensive to insure, as much as $483 a month including comprehensive and collision insurance
  • It is possible to save around $190 per year just by shopping early and online
  • Increasing physical damage deductibles could save up to $625 each year
  • It is possible to save around $190 per year just by shopping early and online

Rates by Driver Age

Audi A4 allroad Insurance Rates by Driver Age
Driver Age Premium
16 $5,790
20 $3,596
30 $1,624
40 $1,556
50 $1,420
60 $1,394

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 allroad Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,972
$250 $1,780
$500 $1,556
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 allroad Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,556
50/100 $1,647
100/300 $1,761
250/500 $2,058
100 CSL $1,693
300 CSL $1,944
500 CSL $2,126

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 allroad Insurance Rates for High Risk Drivers
Age Premium
16 $8,278
20 $5,732
30 $3,452
40 $3,378
50 $3,226
60 $3,198

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.

SR-22 Surcharge $220

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $84
Multi-vehicle $83
Homeowner $23
5-yr Accident Free $117
5-yr Claim Free $102
Paid in Full/EFT $72
Advance Quote $78
Online Quote $112
Total Discounts $671
Rate after discounts $885

Discounts are estimated and may not be available from every company or in every state.

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