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.

Average insurance rates for an Audi A4 are $1,544 a year for full coverage insurance. Comprehensive insurance costs on average $332, collision costs $656, and liability insurance costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing $3,356 or more. Teen drivers receive the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,544

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all A4 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how geographic area affects car insurance rates.

These examples illustrate why everyone should compare prices based on a specific location, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $874
• Using higher $1,000 deductibles will save around $224 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,544
• Choosing pricier low deductibles for physical damage coverage will cost an additional $436 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,356 or more
• The cost that insures a teen driver for full coverage may cost $5,696 or more

View Chart as Image

Insurance rates for an Audi A4 can also vary considerably based on the model of your A4, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 additional per year, depending on your age. Audi A4 insurance for high-risk drivers can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,600 a year. View Rates by Age

Where you live has a huge impact on Audi A4 insurance rates. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,090 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $660 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates can be significantly different.

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 Cheaper Audi A4 Insurance

Saving money on Audi A4 insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a condensed summary of the coverage data presented in the illustrations above.

• It is possible to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $650 each year
• Drivers age 20 and younger pay higher rates, costing up to $475 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,810 more each year to buy Audi A4 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.

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