Audi Q4 e-tron Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for an Audi Q4 e-tron are $1,512 every 12 months including full coverage. Comprehensive costs approximately $344 a year, collision costs $668, and liability coverage 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:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Q4 e-tron trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for an Audi Q4 e-tron go from the cheapest price of $416 for liability-only coverage to a high of $3,290 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences highlight why it is important to compare rates using their specific location and their own driving history, rather than using 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.
Additional Charts and Tables
The chart below breaks down estimated Audi Q4 e-tron insurance rates for additional coverage and risk scenarios.
- The best discount rate is $846
- Drivers who choose higher $1,000 deductibles will pay $1,284 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,512
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,962
- High-risk insureds who are prone to accidents and violations could pay around $3,290 or more
- An auto insurance policy to insure a teenage driver can 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 driving characteristics, and the model of your Q4 e-tron.
Using high physical damage deductibles could save up to $680 a year, while buying higher liability limits will push prices upward. Changing 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
Older drivers with no violations or accidents and higher deductibles may only pay around $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 in the ballpark of $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can cost around 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 $1,160 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,160 on average in Louisiana, New York, 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% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. 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 Best Cheap Audi Q4 e-tron Insurance
Finding better rates on auto insurance not only requires having a decent driving record, but also having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The following items are a quick review of the ideas that were covered above.
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $458 per month if full coverage is included
- Drivers with a DUI or reckless driving violation could be charged and average of $1,780 more per year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $675 each year
- You may be able to save around $190 per year simply by quoting early and online
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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