Audi Q4 e-tron Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for an Audi Q4 e-tron are $1,558 a year for full coverage. Comprehensive insurance costs on average $370, collision costs $714, and liability insurance costs around $338. A policy with just liability insurance costs as low as $394 a year, with coverage for high-risk drivers costing $3,384 or more. 16-year-old drivers receive the highest rates at $5,588 a year or more.
Average premium for full coverage: $1,558
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Q4 e-tron models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $394 for just the minimum liability insurance to the much higher price of $3,384 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities.
The example below illustrates how where you live affects car insurance rates.
These examples show why everyone should compare prices based on a specific location, rather than relying on rate 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.
Additional Rate Analysis
The chart below shows estimated Audi Q4 e-tron insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $871
- Using higher $1,000 deductibles will save around $246 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,558
- Buying pricier low deductibles for physical damage coverage will cost an additional $480 a year
- Drivers with multiple tickets or accidents could pay upwards of $3,384 or more
- The cost that insures a teen driver for full coverage may cost $5,588 or more
Insurance rates for an Audi Q4 e-tron can also vary considerably based on the model of your Q4 e-tron, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,900 to $2,500 additional per year, depending on your age. Audi Q4 e-tron insurance for high-risk drivers can be anywhere from 45% to 136% more than the average rate. 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 $5,500 a year. View Rates by Age
Where you live has a huge impact on Audi Q4 e-tron insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Idaho, Maine, and Iowa, or at least $2,220 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,408 | -$150 | -9.6% |
| Alaska | $1,196 | -$362 | -23.2% |
| Arizona | $1,294 | -$264 | -16.9% |
| Arkansas | $1,558 | -$0 | 0.0% |
| California | $1,774 | $216 | 13.9% |
| Colorado | $1,486 | -$72 | -4.6% |
| Connecticut | $1,600 | $42 | 2.7% |
| Delaware | $1,762 | $204 | 13.1% |
| Florida | $1,948 | $390 | 25.0% |
| Georgia | $1,440 | -$118 | -7.6% |
| Hawaii | $1,122 | -$436 | -28.0% |
| Idaho | $1,056 | -$502 | -32.2% |
| Illinois | $1,160 | -$398 | -25.5% |
| Indiana | $1,176 | -$382 | -24.5% |
| Iowa | $1,050 | -$508 | -32.6% |
| Kansas | $1,478 | -$80 | -5.1% |
| Kentucky | $2,126 | $568 | 36.5% |
| Louisiana | $2,306 | $748 | 48.0% |
| Maine | $964 | -$594 | -38.1% |
| Maryland | $1,286 | -$272 | -17.5% |
| Massachusetts | $1,244 | -$314 | -20.2% |
| Michigan | $2,706 | $1,148 | 73.7% |
| Minnesota | $1,306 | -$252 | -16.2% |
| Mississippi | $1,866 | $308 | 19.8% |
| Missouri | $1,382 | -$176 | -11.3% |
| Montana | $1,672 | $114 | 7.3% |
| Nebraska | $1,226 | -$332 | -21.3% |
| Nevada | $1,868 | $310 | 19.9% |
| New Hampshire | $1,124 | -$434 | -27.9% |
| New Jersey | $1,740 | $182 | 11.7% |
| New Mexico | $1,380 | -$178 | -11.4% |
| New York | $1,638 | $80 | 5.1% |
| North Carolina | $898 | -$660 | -42.4% |
| North Dakota | $1,278 | -$280 | -18.0% |
| Ohio | $1,074 | -$484 | -31.1% |
| Oklahoma | $1,598 | $40 | 2.6% |
| Oregon | $1,428 | -$130 | -8.3% |
| Pennsylvania | $1,486 | -$72 | -4.6% |
| Rhode Island | $2,078 | $520 | 33.4% |
| South Carolina | $1,412 | -$146 | -9.4% |
| South Dakota | $1,316 | -$242 | -15.5% |
| Tennessee | $1,364 | -$194 | -12.5% |
| Texas | $1,878 | $320 | 20.5% |
| Utah | $1,154 | -$404 | -25.9% |
| Vermont | $1,064 | -$494 | -31.7% |
| Virginia | $934 | -$624 | -40.1% |
| Washington | $1,204 | -$354 | -22.7% |
| West Virginia | $1,428 | -$130 | -8.3% |
| Wisconsin | $1,076 | -$482 | -30.9% |
| Wyoming | $1,386 | -$172 | -11.0% |
Opting for high physical damage deductibles could cut rates by as much as $730 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q4 e-tron | $404 | $750 | $316 | $1,606 |
| 2023 Audi Q4 e-tron | $384 | $720 | $332 | $1,572 |
| 2022 Audi Q4 e-tron | $370 | $714 | $338 | $1,558 |
| 2021 Audi Q4 e-tron | $356 | $698 | $354 | $1,544 |
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 Cheaper Audi Q4 e-tron Insurance
Saving money on Audi Q4 e-tron insurance requires avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and insuring your home and auto with the same company. Comparison shop at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a condensed summary of the concepts that were touched on in the above illustrations.
- High-risk drivers with multiple at-fault accidents may pay on average $1,830 more each year to insure an Audi Q4 e-tron
- Drivers under the age of 20 pay higher rates, costing as high as $466 per month if comprehensive and collision insurance is included
- Drivers can save as much as $200 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $725 each year
- Drivers can save as much as $200 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,588 |
| 20 | $3,606 |
| 30 | $1,644 |
| 40 | $1,558 |
| 50 | $1,420 |
| 60 | $1,396 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,038 |
| $250 | $1,814 |
| $500 | $1,558 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,558 |
| 50/100 | $1,626 |
| 100/300 | $1,710 |
| 250/500 | $1,930 |
| 100 CSL | $1,659 |
| 300 CSL | $1,845 |
| 500 CSL | $1,981 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,034 |
| 20 | $5,740 |
| 30 | $3,480 |
| 40 | $3,384 |
| 50 | $3,224 |
| 60 | $3,198 |
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 | $85 |
| Multi-vehicle | $81 |
| Homeowner | $21 |
| 5-yr Accident Free | $124 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $78 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $687 |
Discounts are estimated and may not be available from every company or in every state.
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