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.

Average insurance prices for an Audi A4 are $1,510 every 12 months for full coverage. Comprehensive insurance costs on average $310 a year, collision insurance costs $612, and liability coverage is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs $3,286 or more. 16-year-old drivers receive the highest rates at up to $5,640 a year.

Average premium for full coverage: $1,510

Rate estimates by individual coverage type:

Comprehensive $310
Collision $612
Liability $430

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and A4 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $486 for basic liability insurance to a high of $3,286 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,510
High Risk $3,286

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

These examples show why it is important to compare rates quotes based on a 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.

Rate Comparisons

The chart below shows average Audi A4 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $857
  • Raising to $1,000 deductibles will save around $1,302 a year
  • The average price for a 40-year-old driver with $500 deductibles is $1,510
  • Buying low $100 deductibles costs an extra $410 each year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $3,286
  • The cost to insure a teenage driver may cost $5,640

View Chart as Image

Audi A4 insurance cost comparison chart
Column chart showing Audi A4 insurance prices range from $857 to $5,640 for full coverage

Insurance rates for an Audi A4 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your A4.

Opting for high physical damage deductibles can reduce rates by up to $620 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 133% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Audi A4 insurance rates. A middle-age driver might find rates as low as $990 a year in states like Idaho, Maine, and Iowa, or at least $2,160 on average in Michigan, Louisiana, and New York.

Audi A4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,366 -$144 -9.5%
Alaska $1,160 -$350 -23.2%
Arizona $1,252 -$258 -17.1%
Arkansas $1,510 -$0 0.0%
California $1,720 $210 13.9%
Colorado $1,444 -$66 -4.4%
Connecticut $1,554 $44 2.9%
Delaware $1,710 $200 13.2%
Florida $1,888 $378 25.0%
Georgia $1,394 -$116 -7.7%
Hawaii $1,084 -$426 -28.2%
Idaho $1,022 -$488 -32.3%
Illinois $1,124 -$386 -25.6%
Indiana $1,138 -$372 -24.6%
Iowa $1,018 -$492 -32.6%
Kansas $1,436 -$74 -4.9%
Kentucky $2,060 $550 36.4%
Louisiana $2,236 $726 48.1%
Maine $930 -$580 -38.4%
Maryland $1,246 -$264 -17.5%
Massachusetts $1,210 -$300 -19.9%
Michigan $2,624 $1,114 73.8%
Minnesota $1,264 -$246 -16.3%
Mississippi $1,808 $298 19.7%
Missouri $1,340 -$170 -11.3%
Montana $1,622 $112 7.4%
Nebraska $1,190 -$320 -21.2%
Nevada $1,808 $298 19.7%
New Hampshire $1,088 -$422 -27.9%
New Jersey $1,688 $178 11.8%
New Mexico $1,336 -$174 -11.5%
New York $1,592 $82 5.4%
North Carolina $870 -$640 -42.4%
North Dakota $1,238 -$272 -18.0%
Ohio $1,042 -$468 -31.0%
Oklahoma $1,550 $40 2.6%
Oregon $1,384 -$126 -8.3%
Pennsylvania $1,440 -$70 -4.6%
Rhode Island $2,014 $504 33.4%
South Carolina $1,368 -$142 -9.4%
South Dakota $1,274 -$236 -15.6%
Tennessee $1,322 -$188 -12.5%
Texas $1,820 $310 20.5%
Utah $1,118 -$392 -26.0%
Vermont $1,034 -$476 -31.5%
Virginia $906 -$604 -40.0%
Washington $1,168 -$342 -22.6%
West Virginia $1,384 -$126 -8.3%
Wisconsin $1,046 -$464 -30.7%
Wyoming $1,346 -$164 -10.9%

View Chart as Image

Audi A4 insurance rates by U.S. city

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 $310 $612 $430 $1,510
2014 Audi A4 $242 $426 $460 $1,286
2013 Audi A4 $234 $400 $464 $1,256
2012 Audi A4 $228 $374 $474 $1,234
2011 Audi A4 $210 $346 $474 $1,188
2010 Audi A4 $206 $314 $478 $1,156
2009 Audi A4 $192 $288 $474 $1,112
2008 Audi A4 $180 $262 $474 $1,074
2007 Audi A4 $174 $234 $468 $1,034
2006 Audi A4 $172 $230 $460 $1,020
2005 Audi A4 $168 $218 $452 $996
2004 Audi A4 $154 $208 $446 $966
2003 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 Shop for the Best Cheap Audi A4 Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a quick review of the information raised in the charts and tables above.

  • Drivers can save as much as $190 per year just by quoting early and online
  • Teens pay higher rates, costing as high as $470 per month if full coverage is included
  • Increasing deductibles could save as much as $625 each year
  • Drivers with a DUI or reckless driving violation pay an average of $1,780 more each year for A4 insurance
  • Consumers who require higher liability limits will pay around $470 each year to raise from a minimum limit to a 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.

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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 $5,640
20 $3,510
30 $1,576
40 $1,510
50 $1,380
60 $1,354

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,920
$250 $1,728
$500 $1,510
$1,000 $1,302

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,646
100/300 $1,754
250/500 $2,033
100 CSL $1,689
300 CSL $1,926
500 CSL $2,098

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 Insurance Rates for High Risk Drivers
Age Premium
16 $8,066
20 $5,594
30 $3,360
40 $3,286
50 $3,138
60 $3,112

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 $215

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $80
Homeowner $22
5-yr Accident Free $115
5-yr Claim Free $99
Paid in Full/EFT $71
Advance Quote $77
Online Quote $108
Total Discounts $653
Rate after discounts $857

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

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