Audi A4 Insurance Rates

Are Audi A4s expensive to insure? Audi A4 insurance rates can be expensive. The average insurance for an Audi A4 will cost $1,580 a year, or $131 a month.

Read our guide to learn how to save on a variety of Audi A4 model years, such as 2019 Audi A4 car insurance costs or 2002 Audi A4 insurance costs or Audi A4 insurance cost for a 17-year-old. By the end, you’ll be able to secure cheap car insurance rates for your Audi A4.

To start comparison shopping for affordable Audi A4 auto insurance rates, enter your ZIP code into our free tool above. You can review multiple quotes from Audi A4 auto insurance companies near you.

The average insurance rates for an Audi A4 are $1,554 a year for full coverage insurance. Comprehensive costs on average $346 each year, collision costs $660, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing around $3,372. 16-year-old drivers cost the most to insure at $5,696 a year or more.

Average premium for full coverage: $1,554

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and A4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates the difference location can make on car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates estimated Audi A4 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $880
• Raising to $1,000 deductibles will save around $228 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,554
• Buying low deductibles bumps up the cost to $2,000
• Drivers with multiple tickets or accidents could pay upwards of $3,372 or more
• Policy cost that insures a 16-year-old driver may cost $5,696

View Chart as Image

Car insurance rates for an Audi A4 also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,600 a year. View Rates by Age

Your home state also has a big influence on Audi A4 insurance prices. A middle-age driver might find rates as low as $1,020 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,100 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $680 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Affordable Audi A4 Insurance

Finding cheaper rates on insurance for an Audi A4 consists of being safe and accident-free, having a positive credit history, being claim-free, and maximizing policy discounts. Comparison shop at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find 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 $1,820 more each year than a low-risk driver
• It is possible to save as much as $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $675 each year
• Insureds who require more liability protection will pay around $430 annually to raise from a 30/60 limit to the 250/500 level

Shopping for Audi auto insurance is the best way to save on Audi A4 auto insurance rates. Regardless of whether you are looking for 2019, 2018, 2012, 2014, or 2010 Audi A4 costs or Audi A4 insurance for a 16-year-old, as well as every model year in between, shopping for rates will help you save.

To find out how much is an Audi A4 insurance plan, enter your ZIP code in our free tool below.

What are the safety ratings of the Audi A4?

Great safety ratings and features help reduce rates, regardless of whether it is Audi A4 car insurance prices or Audi Quattro insurance. Some of the Audi A4s best safety features are brake assist, electronic stability control, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.

The 2020 Audi A4 sedan also has great crash test ratings from the Insurance Institute for Highway Safety (IIHS). See them below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The video below demonstrates one of the IIHS crash tests on the Audi A4.

The National Highway Traffic Safety Administration completed a crash test for the Audi A4. See the Audi A4 crash test results for past models in the table below.

A 5-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed very well.

Audi A4 Compared Against Other Vehicles in the Same Class

The Audi A4 is a midsize luxury car. Unfortunately, luxury vehicles tend to have higher rates. Luckily, the Insurance Institute for Highway Safety found that in comparison to other midsize luxury vehicles, the Audi A4’s liability insurance losses are better than average and substantially better than average.

See details about the Audi A4 auto insurance loss probability totals in the following table.

The higher the number, the worse the loss ratio. While the collision loss ratios are substantially worse than average for this vehicle, all other categories have average or better than average ratios.

To see how the Audi A4’s rates compare to other midsize luxury cars’ rates, take a look at the cars below.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A5 Insurance Rates

To save on Audi A4 average car insurance costs, remember to shop around for everything from 2003 Audi A4 insurance rates to Audi A4 insurance for a 19-year-old.

Before you buy Audi A4 car insurance, make sure you are getting the best deal.

Enter your five-digit ZIP code into our free rate comparison tool to find cheap Audi A4 auto insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/audi/a4-4-door-sedan/2020