Audi A4 allroad Insurance Rates

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UPDATED: May 22, 2024

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The average insurance rates for an Audi A4 allroad are $1,556 a year for full coverage insurance. Comprehensive costs an estimated $332 each year, collision costs $610, and liability coverage is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing around $3,378. 16-year-old drivers cost the most to insure at $5,790 a year or more.

Average premium for full coverage: $1,556

Policy rates broken down by type of insurance:

Comprehensive $332
Collision $610
Liability $456

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and A4 allroad models.

Price Range Variability

For an average driver, Audi A4 allroad insurance rates go from as low as $508 for just the minimum liability insurance to a high rate of $3,378 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

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

The examples above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than using rate 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.

Additional Rate Analysis

The chart below illustrates estimated Audi A4 allroad insurance rates for other coverage scenarios.

  • The best full coverage rate is $885
  • Raising to $1,000 deductibles will save approximately $214 each year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,556
  • Buying low deductibles will increase the cost to $1,972
  • Unlucky drivers with multiple tickets or accidents could pay up to $3,378 or more
  • Policy cost for full coverage for a teenage driver can cost as much as $5,790

View Chart as Image

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

Car insurance rates for an Audi A4 allroad also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,700 a year. View Rates by Age

Your home state also has a big influence on Audi A4 allroad insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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

Opting for high physical damage deductibles can reduce rates by up to $630 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,900 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 136% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 Find the Cheapest Audi A4 allroad Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, being claim-free, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a recap of the concepts that were covered in the above illustrations.

  • Drivers that have major violations or accidents pay on average $1,820 more annually to insure their A4 allroad
  • Teen drivers have the highest car insurance rates, possibly costing $483 each month if full coverage is included
  • It is possible to save approximately $190 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $625 each year
  • It is possible to save approximately $190 per year simply by quoting online in advance

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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