Audi Q4 e-tron Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for an Audi Q4 e-tron are $1,512 annually including full coverage. Comprehensive costs approximately $344 each year, collision costs $668, and liability is $364. A liability-only policy costs around $416 a year, with high-risk insurance costing around $3,290. Teen drivers 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:
Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Q4 e-tron models.
Price Range Variability
For the average 40-year-old driver, Audi Q4 e-tron insurance rates go from as cheap as $416 for your basic liability-only policy to a high rate of $3,290 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using price averages.
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 Information
The chart below breaks down estimated Audi Q4 e-tron insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $846
- Raising to $1,000 deductibles will save $228 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,512
- Choosing low deductibles will cost $1,962
- At-risk drivers with multiple violations and an at-fault accident could pay around $3,290 or more
- Policy cost with full coverage for a teen driver can cost $5,492
Car insurance rates for an Audi Q4 e-tron also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $680 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Audi Q4 e-tron insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.
| 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 Buy More Affordable Audi Q4 e-tron Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a summary of the information touched on in this article.
- You may be able to save around $190 per year simply by quoting online in advance
- Teens pay the highest auto insurance rates, with premiums being up to $458 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,780 more per year for Q4 e-tron insurance
- Policyholders who purchase higher liability limits will pay about $400 per year to raise from a 30/60 limit to higher 250/500 limits
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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