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.

Estimated insurance rates for an Audi A4 are $1,544 a year with full coverage. Comprehensive costs approximately $332, collision insurance costs $656, and liability coverage is estimated at $398. A liability-only policy costs approximately $460 a year, and high-risk insurance costs around $3,356. 16-year-old drivers pay the most at up to $5,696 a year.

Average premium for full coverage: $1,544

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all A4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences demonstrate why everyone should get quotes using their specific location and risk profile, rather than using rate averages.

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

Additional Rate Information

The chart below details average Audi A4 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $874
• Choosing higher $1,000 deductibles can save $224 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,544
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,980
• Drivers with multiple tickets or accidents could pay around $3,356
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost $5,696 each year

View Chart as Image

Auto insurance prices for an Audi A4 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Utah, Ohio, and New Hampshire, or at least $2,090 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $660 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 in extra premium annually, depending on your age. Audi A4 insurance for high-risk drivers ranges around 44% to 130% more than the average rate. View High Risk Driver Rates

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 More Affordable Audi A4 Insurance

Finding better rates on auto insurance takes being safe and accident-free, having good credit, being claim-free, and possibly higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations pay on average $1,810 more per year than a low-risk driver
• You may be able to save around $190 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $650 each year
• Consumers who purchase more liability protection will pay around $440 every year to raise limits from 30/60 bodily injury limits to 250/500 limits

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.

Audi A4 Crash Test Ratings

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

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