Audi A4 allroad Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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The average insurance prices for an Audi A4 allroad are $1,602 every 12 months for full coverage. Comprehensive costs approximately $344, collision costs $648, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing around $3,484. 16-year-old drivers cost the most to insure at $5,936 a year or more.

Average premium for full coverage: $1,602

Policy rates by type of insurance:

Comprehensive $344
Collision $648
Liability $452

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all A4 allroad models.

Price Range Variability

For an average driver, Audi A4 allroad insurance rates go from the cheapest price of $504 for just liability coverage to the much higher price of $3,484 for high-risk insurance.

Liability Only $504
Full Coverage $1,602
High Risk $3,484

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.

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

Rural Areas $1,202
Small Cities $1,682
Large Cities $2,163

The examples above show why everyone should compare rates using their specific location and their own driving history, 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $907
  • Drivers who choose higher $1,000 deductibles will pay $224 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,602
  • Buying pricier low deductibles for comprehensive and collision insurance increases the price to $2,042
  • High-risk insureds with multiple tickets or accidents could pay around $3,484 or more
  • Policy cost to insure a teenage driver for full coverage can cost $5,936 a year

View Chart as Image

Audi A4 allroad insurance cost comparison chart
Column chart showing full coverage Audi A4 allroad insurance rates range from $907 to $5,936

Insurance rates for an Audi A4 allroad also range considerably based on liability limits and deductibles, your driver profile, and the model of your A4 allroad.

Opting for high physical damage deductibles could save up to $670 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 additional every year, depending on your age. Audi A4 allroad insurance for high-risk drivers can cost around 44% to 132% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Audi A4 allroad insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Iowa, Maine, and Idaho, or at least $2,290 on average in New York, Louisiana, and Michigan.

Audi A4 allroad Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,450 -$152 -9.5%
Alaska $1,230 -$372 -23.2%
Arizona $1,330 -$272 -17.0%
Arkansas $1,602 -$0 0.0%
California $1,828 $226 14.1%
Colorado $1,532 -$70 -4.4%
Connecticut $1,648 $46 2.9%
Delaware $1,814 $212 13.2%
Florida $2,004 $402 25.1%
Georgia $1,478 -$124 -7.7%
Hawaii $1,152 -$450 -28.1%
Idaho $1,086 -$516 -32.2%
Illinois $1,194 -$408 -25.5%
Indiana $1,206 -$396 -24.7%
Iowa $1,080 -$522 -32.6%
Kansas $1,524 -$78 -4.9%
Kentucky $2,186 $584 36.5%
Louisiana $2,372 $770 48.1%
Maine $988 -$614 -38.3%
Maryland $1,322 -$280 -17.5%
Massachusetts $1,282 -$320 -20.0%
Michigan $2,784 $1,182 73.8%
Minnesota $1,340 -$262 -16.4%
Mississippi $1,920 $318 19.9%
Missouri $1,422 -$180 -11.2%
Montana $1,720 $118 7.4%
Nebraska $1,264 -$338 -21.1%
Nevada $1,924 $322 20.1%
New Hampshire $1,156 -$446 -27.8%
New Jersey $1,792 $190 11.9%
New Mexico $1,420 -$182 -11.4%
New York $1,688 $86 5.4%
North Carolina $924 -$678 -42.3%
North Dakota $1,312 -$290 -18.1%
Ohio $1,108 -$494 -30.8%
Oklahoma $1,646 $44 2.7%
Oregon $1,468 -$134 -8.4%
Pennsylvania $1,528 -$74 -4.6%
Rhode Island $2,138 $536 33.5%
South Carolina $1,452 -$150 -9.4%
South Dakota $1,352 -$250 -15.6%
Tennessee $1,404 -$198 -12.4%
Texas $1,932 $330 20.6%
Utah $1,188 -$414 -25.8%
Vermont $1,098 -$504 -31.5%
Virginia $958 -$644 -40.2%
Washington $1,238 -$364 -22.7%
West Virginia $1,468 -$134 -8.4%
Wisconsin $1,108 -$494 -30.8%
Wyoming $1,430 -$172 -10.7%

View Chart as Image

Audi A4 allroad insurance rates by U.S. city

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied.

Audi A4 allroad Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A4 allroad $444 $812 $372 $1,786
2023 Audi A4 allroad $424 $780 $390 $1,752
2022 Audi A4 allroad $406 $774 $398 $1,736
2021 Audi A4 allroad $394 $756 $416 $1,724
2020 Audi A4 allroad $380 $724 $430 $1,692
2018 Audi A4 allroad $344 $648 $452 $1,602
2017 Audi A4 allroad $332 $610 $456 $1,556

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 Shop for the Best Cheap Audi A4 allroad Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a quick review of the material that was covered in the above illustrations.

  • Consumers who purchase an increased level of liability coverage will pay around $500 each year to go from a 30/60 limit to a 250/500 level
  • Drivers age 16 to 20 are the costliest to insure, costing up to $495 each month if full coverage is included
  • Drivers with a DUI or reckless driving violation may pay on average $1,880 more per year than a safer driver
  • Increasing comprehensive and collision deductibles could save as much as $675 each year

Rates by Driver Age

Audi A4 allroad Insurance Rates by Driver Age
Driver Age Premium
16 $5,936
20 $3,710
30 $1,674
40 $1,602
50 $1,464
60 $1,436

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 allroad Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,042
$250 $1,838
$500 $1,602
$1,000 $1,378

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 allroad Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,602
50/100 $1,692
100/300 $1,805
250/500 $2,099
100 CSL $1,738
300 CSL $1,986
500 CSL $2,167

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 allroad Insurance Rates for High Risk Drivers
Age Premium
16 $8,498
20 $5,912
30 $3,562
40 $3,484
50 $3,326
60 $3,296

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 $228

Potential Rate Discounts

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

Discount Savings
Multi-policy $87
Multi-vehicle $85
Homeowner $23
5-yr Accident Free $122
5-yr Claim Free $105
Paid in Full/EFT $76
Advance Quote $81
Online Quote $116
Total Discounts $695
Rate after discounts $907

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

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