Audi Q4 e-tron Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for an Audi Q4 e-tron are $1,512 every 12 months for full coverage. Comprehensive costs on average $344, collision costs $668, and liability insurance costs $364. Liability-only insurance costs as little as $416 a year, with high-risk driver insurance costing around $3,290. Teenage drivers pay the most at $5,492 a year or more.
Average premium for full coverage: $1,512
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Q4 e-tron models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for an Audi Q4 e-tron go from the cheapest price of $416 for just liability insurance to the much higher price of $3,290 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities.
The example below illustrates how rural and urban location affects car insurance rates.
These rate differences show why everyone should compare rates based on a specific location and their own driving history, rather than relying on average rates.
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.
More Rate Details
The chart below shows estimated Audi Q4 e-tron insurance rates for different risk profiles and scenarios.
- The best discount rate is $846
- Drivers who choose higher $1,000 deductibles will pay around $228 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,512
- Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,962
- High risk drivers who are prone to accidents and violations could pay upwards of $3,290 or more
- An auto insurance policy to insure a teen driver for full coverage may cost $5,492 a year
Insurance prices for an Audi Q4 e-tron also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Q4 e-tron.
Using high physical damage deductibles could save up to $680 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,400 additional annually, depending on your age. Audi Q4 e-tron insurance for high-risk drivers can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Audi Q4 e-tron insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,160 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,368 | -$144 | -9.5% |
| Alaska | $1,160 | -$352 | -23.3% |
| Arizona | $1,254 | -$258 | -17.1% |
| Arkansas | $1,512 | -$0 | 0.0% |
| California | $1,724 | $212 | 14.0% |
| Colorado | $1,442 | -$70 | -4.6% |
| Connecticut | $1,552 | $40 | 2.6% |
| Delaware | $1,710 | $198 | 13.1% |
| Florida | $1,890 | $378 | 25.0% |
| Georgia | $1,400 | -$112 | -7.4% |
| Hawaii | $1,088 | -$424 | -28.0% |
| Idaho | $1,026 | -$486 | -32.1% |
| Illinois | $1,126 | -$386 | -25.5% |
| Indiana | $1,142 | -$370 | -24.5% |
| Iowa | $1,020 | -$492 | -32.5% |
| Kansas | $1,434 | -$78 | -5.2% |
| Kentucky | $2,064 | $552 | 36.5% |
| Louisiana | $2,240 | $728 | 48.1% |
| Maine | $934 | -$578 | -38.2% |
| Maryland | $1,250 | -$262 | -17.3% |
| Massachusetts | $1,208 | -$304 | -20.1% |
| Michigan | $2,626 | $1,114 | 73.7% |
| Minnesota | $1,268 | -$244 | -16.1% |
| Mississippi | $1,812 | $300 | 19.8% |
| Missouri | $1,344 | -$168 | -11.1% |
| Montana | $1,624 | $112 | 7.4% |
| Nebraska | $1,192 | -$320 | -21.2% |
| Nevada | $1,814 | $302 | 20.0% |
| New Hampshire | $1,090 | -$422 | -27.9% |
| New Jersey | $1,690 | $178 | 11.8% |
| New Mexico | $1,338 | -$174 | -11.5% |
| New York | $1,592 | $80 | 5.3% |
| North Carolina | $870 | -$642 | -42.5% |
| North Dakota | $1,240 | -$272 | -18.0% |
| Ohio | $1,044 | -$468 | -31.0% |
| Oklahoma | $1,552 | $40 | 2.6% |
| Oregon | $1,386 | -$126 | -8.3% |
| Pennsylvania | $1,442 | -$70 | -4.6% |
| Rhode Island | $2,018 | $506 | 33.5% |
| South Carolina | $1,372 | -$140 | -9.3% |
| South Dakota | $1,276 | -$236 | -15.6% |
| Tennessee | $1,324 | -$188 | -12.4% |
| Texas | $1,824 | $312 | 20.6% |
| Utah | $1,118 | -$394 | -26.1% |
| Vermont | $1,034 | -$478 | -31.6% |
| Virginia | $904 | -$608 | -40.2% |
| Washington | $1,168 | -$344 | -22.8% |
| West Virginia | $1,386 | -$126 | -8.3% |
| Wisconsin | $1,044 | -$468 | -31.0% |
| Wyoming | $1,346 | -$166 | -11.0% |
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q4 e-tron | $370 | $714 | $338 | $1,558 |
| 2023 Audi Q4 e-tron | $356 | $698 | $354 | $1,544 |
| 2022 Audi Q4 e-tron | $344 | $668 | $364 | $1,512 |
| 2021 Audi Q4 e-tron | $326 | $646 | $376 | $1,484 |
Rates are averaged for all Audi Q4 e-tron 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 Cheapest Audi Q4 e-tron Insurance
Finding better rates on Audi Q4 e-tron insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by getting quotes from direct carriers, and also from local independent and exclusive agents.
Below you'll find a recap of the car insurance concepts raised in the charts and tables above.
- High-risk drivers that have major violations or accidents pay an average of $1,780 more each year than a low-risk driver
- Drivers can save as much as $190 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $675 each year
- Drivers who require more liability protection will pay an extra $400 each year to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,492 |
| 20 | $3,504 |
| 30 | $1,590 |
| 40 | $1,512 |
| 50 | $1,382 |
| 60 | $1,358 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,962 |
| $250 | $1,752 |
| $500 | $1,512 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,512 |
| 50/100 | $1,585 |
| 100/300 | $1,676 |
| 250/500 | $1,912 |
| 100 CSL | $1,621 |
| 300 CSL | $1,821 |
| 500 CSL | $1,967 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,888 |
| 20 | $5,582 |
| 30 | $3,376 |
| 40 | $3,290 |
| 50 | $3,134 |
| 60 | $3,108 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $79 |
| Homeowner | $21 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $75 |
| Advance Quote | $79 |
| Online Quote | $110 |
| Total Discounts | $666 |
Discounts are estimated and may not be available from every company or in every state.
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