Audi Q4 e-tron Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for an Audi Q4 e-tron are $1,512 a year for full coverage. Comprehensive insurance costs approximately $344, collision costs $668, and liability coverage costs around $364. Liability-only insurance costs as low as $416 a year, with high-risk driver insurance costing $3,290 or more. Teens cost the most to insure at $5,492 a year or more.
Average premium for full coverage: $1,512
Policy rates by type of insurance:
Rate estimates include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Q4 e-tron models.
Price Range Variability
For the average driver, Audi Q4 e-tron insurance rates go from as low as $416 for just the minimum liability insurance to the much higher price of $3,290 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates how location impacts auto insurance prices.
The examples above show why everyone should compare prices using their specific location and risk profile, rather than using averaged prices.
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.
Additional Rate Analysis
The chart below shows estimated Audi Q4 e-tron insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $846
- Using higher $1,000 deductibles will save $228 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,512
- Selecting pricier low deductibles for physical damage coverage will cost an extra $450 each year
- Higher-risk drivers with serious driving violations could pay around $3,290 or more
- Policy cost for full coverage for a teenage driver for full coverage can cost $5,492 or more
Auto insurance rates for an Audi Q4 e-tron also range considerably based on your risk profile, the trim level of your Q4 e-tron, 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 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age
Your home state has a huge impact on Audi Q4 e-tron insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,160 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $680 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. Audi Q4 e-tron insurance for high-risk drivers can be around 44% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.
| 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 Find the Best Audi Q4 e-tron Insurance
Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief recap of the primary concepts that were touched on above.
- Drivers can save around $190 per year simply by quoting online well ahead of the renewal date
- Drivers who tend to receive serious violations may pay on average $1,780 more per year for Q4 e-tron insurance
- Increasing comprehensive and collision deductibles can save around $675 each year
- Teens have the highest car insurance rates, costing up to $458 each month if they have full coverage
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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