Audi A4 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: Jun 6, 2023

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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.

Estimated insurance rates for an Audi A4 are $1,484 a year for full coverage. Comprehensive costs an estimated $292, collision costs $592, and liability insurance is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $3,238. 16-year-old drivers pay the most at $5,594 a year or more.

Average premium for full coverage: $1,484

Premium estimates broken down by type of coverage:

Comprehensive $292
Collision $592
Liability $442

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different A4 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for an Audi A4 go from as low as $496 for basic liability insurance to a much higher rate of $3,238 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,484
High Risk $3,238

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,113
Small Cities $1,558
Large Cities $2,003

These rate differences show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on 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.

Rate Comparisons

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

  • The best full coverage rate is $843
  • Raising to $1,000 deductibles will save approximately $200 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,484
  • Buying more expensive low deductibles will increase the cost to $1,876
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,238 or more
  • An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $5,594

View Chart as Image

Audi A4 insurance cost comparison chart
Column chart showing full coverage Audi A4 insurance rates range from $843 to $5,594

Insurance prices for an Audi A4 also have a wide range based on your driving characteristics, the trim level of your A4, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,500 a year. View Rates by Age

Where you choose to live also has a big influence on Audi A4 insurance rates. A middle-age driver might find prices as low as $980 a year in states like Iowa, Maine, and Idaho, or at least $2,120 on average in New York, Louisiana, and Michigan.

Audi A4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,342 -$142 -9.6%
Alaska $1,140 -$344 -23.2%
Arizona $1,232 -$252 -17.0%
Arkansas $1,484 -$0 0.0%
California $1,692 $208 14.0%
Colorado $1,418 -$66 -4.4%
Connecticut $1,526 $42 2.8%
Delaware $1,680 $196 13.2%
Florida $1,858 $374 25.2%
Georgia $1,370 -$114 -7.7%
Hawaii $1,066 -$418 -28.2%
Idaho $1,004 -$480 -32.3%
Illinois $1,106 -$378 -25.5%
Indiana $1,118 -$366 -24.7%
Iowa $1,002 -$482 -32.5%
Kansas $1,412 -$72 -4.9%
Kentucky $2,024 $540 36.4%
Louisiana $2,198 $714 48.1%
Maine $914 -$570 -38.4%
Maryland $1,226 -$258 -17.4%
Massachusetts $1,188 -$296 -19.9%
Michigan $2,580 $1,096 73.9%
Minnesota $1,242 -$242 -16.3%
Mississippi $1,778 $294 19.8%
Missouri $1,318 -$166 -11.2%
Montana $1,596 $112 7.5%
Nebraska $1,170 -$314 -21.2%
Nevada $1,780 $296 19.9%
New Hampshire $1,068 -$416 -28.0%
New Jersey $1,658 $174 11.7%
New Mexico $1,314 -$170 -11.5%
New York $1,564 $80 5.4%
North Carolina $854 -$630 -42.5%
North Dakota $1,216 -$268 -18.1%
Ohio $1,026 -$458 -30.9%
Oklahoma $1,524 $40 2.7%
Oregon $1,360 -$124 -8.4%
Pennsylvania $1,416 -$68 -4.6%
Rhode Island $1,980 $496 33.4%
South Carolina $1,344 -$140 -9.4%
South Dakota $1,254 -$230 -15.5%
Tennessee $1,302 -$182 -12.3%
Texas $1,788 $304 20.5%
Utah $1,100 -$384 -25.9%
Vermont $1,016 -$468 -31.5%
Virginia $890 -$594 -40.0%
Washington $1,148 -$336 -22.6%
West Virginia $1,360 -$124 -8.4%
Wisconsin $1,028 -$456 -30.7%
Wyoming $1,322 -$162 -10.9%

View Chart as Image

Audi A4 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $600 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,800 to $2,400 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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.

Audi A4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Audi A4 $292 $592 $442 $1,484
2014 Audi A4 $234 $400 $464 $1,256
2013 Audi A4 $228 $374 $474 $1,234
2012 Audi A4 $210 $346 $474 $1,188
2011 Audi A4 $206 $314 $478 $1,156
2010 Audi A4 $192 $288 $474 $1,112
2009 Audi A4 $180 $262 $474 $1,074
2008 Audi A4 $174 $234 $468 $1,034
2007 Audi A4 $172 $230 $460 $1,020
2006 Audi A4 $168 $218 $452 $996
2005 Audi A4 $154 $208 $446 $966
2004 Audi A4 $150 $198 $442 $948

Rates are averaged for all Audi A4 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 Affordable Audi A4 Insurance

Finding better rates on Audi A4 insurance consists of having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a brief review of the data covered above.

  • Drivers who want increased levels of liability coverage will pay around $490 each year to raise from 30/60 bodily injury limits to 250/500 limits
  • Drivers can save approximately $180 per year simply by shopping early and online
  • Increasing policy deductibles can save around $600 each year
  • Drivers age 20 and younger are expensive to insure, as much as $466 per month including comprehensive and collision insurance

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.

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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.

Audi A4 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Audi A4 allroad SW AWDN/RN/R5 starsN/R
2020 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2020 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2019 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2019 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2018 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2018 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2017 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2017 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2016 Audi A4 4 DR FWD5 stars5 stars5 stars5 stars
2016 Audi A4 4 DR AWD5 stars5 stars5 stars5 stars

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.

Audi A4 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Property Damage7%
Personal Injury-20%
Medical Payment12%
Bodily Injury0%

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.

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.



Rates by Driver Age

Audi A4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,594
20 $3,458
30 $1,550
40 $1,484
50 $1,356
60 $1,332

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,876
$250 $1,694
$500 $1,484
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,484
50/100 $1,620
100/300 $1,731
250/500 $2,018
100 CSL $1,665
300 CSL $1,908
500 CSL $2,085

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,992
20 $5,516
30 $3,308
40 $3,238
50 $3,092
60 $3,066

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 $213

Potential Rate Discounts

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

Discount Savings
Multi-policy $80
Multi-vehicle $80
Homeowner $22
5-yr Accident Free $112
5-yr Claim Free $97
Paid in Full/EFT $69
Advance Quote $75
Online Quote $106
Total Discounts $641
Rate after discounts $843

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

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