Audi A4 Insurance Rates

Are Audi A4s expensive to insure? Audi A4 insurance rates can be expensive. The average insurance for an Audi A4 will cost $1,580 a year, or $131 a month.

Read our guide to learn how to save on a variety of Audi A4 model years, such as 2019 Audi A4 car insurance costs or 2002 Audi A4 insurance costs or Audi A4 insurance cost for a 17-year-old. By the end, you’ll be able to secure cheap car insurance rates for your Audi A4.

To start comparison shopping for affordable Audi A4 auto insurance rates, enter your ZIP code into our free tool above. You can review multiple quotes from Audi A4 auto insurance companies near you.

U.S. average auto insurance rates for an Audi A4 are $1,544 annually for full coverage. Comprehensive insurance costs approximately $332 a year, collision costs $656, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing $3,356 or more. Teen drivers pay the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,544

Price estimates by individual coverage:

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and A4 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have fewer accident claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above show why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Audi A4 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $874
• Drivers who choose higher $1,000 deductibles will pay $1,320 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,544
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $436 annually
• Drivers with multiple violations and an at-fault accident could pay around $3,356 or more
• The price with full coverage for a 16-year-old driver can cost $5,696 a year

View Chart as Image

Insurance prices for an Audi A4 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $660 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Audi A4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Iowa, Maine, and Idaho, or as much as $2,200 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every company uses a different rate calculation, so the prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheaper Audi A4 Insurance

Getting lower rates on insurance for an Audi A4 not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the ideas that were presented in the illustrations above.

• Teen drivers are expensive to insure, with premiums as much as $475 a month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,810 more per year to insure their A4
• Increasing physical damage deductibles could save up to $650 each year
• Drivers can save around $190 per year simply by quoting early and online

Shopping for Audi auto insurance is the best way to save on Audi A4 auto insurance rates. Regardless of whether you are looking for 2019, 2018, 2012, 2014, or 2010 Audi A4 costs or Audi A4 insurance for a 16-year-old, as well as every model year in between, shopping for rates will help you save.

To find out how much is an Audi A4 insurance plan, enter your ZIP code in our free tool below.

What are the safety ratings of the Audi A4?

Great safety ratings and features help reduce rates, regardless of whether it is Audi A4 car insurance prices or Audi Quattro insurance. Some of the Audi A4s best safety features are brake assist, electronic stability control, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.

The 2020 Audi A4 sedan also has great crash test ratings from the Insurance Institute for Highway Safety (IIHS). See them below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The video below demonstrates one of the IIHS crash tests on the Audi A4.

The National Highway Traffic Safety Administration completed a crash test for the Audi A4. See the Audi A4 crash test results for past models in the table below.

Audi A4 Crash Test Ratings

A 5-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed very well.

Audi A4 Compared Against Other Vehicles in the Same Class

The Audi A4 is a midsize luxury car. Unfortunately, luxury vehicles tend to have higher rates. Luckily, the Insurance Institute for Highway Safety found that in comparison to other midsize luxury vehicles, the Audi A4’s liability insurance losses are better than average and substantially better than average.

See details about the Audi A4 auto insurance loss probability totals in the following table.

Audi A4 Insurance Loss Probability

The higher the number, the worse the loss ratio. While the collision loss ratios are substantially worse than average for this vehicle, all other categories have average or better than average ratios.

To see how the Audi A4’s rates compare to other midsize luxury cars’ rates, take a look at the cars below.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A5 Insurance Rates

To save on Audi A4 average car insurance costs, remember to shop around for everything from 2003 Audi A4 insurance rates to Audi A4 insurance for a 19-year-old.

Before you buy Audi A4 car insurance, make sure you are getting the best deal.

Enter your five-digit ZIP code into our free rate comparison tool to find cheap Audi A4 auto insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/audi/a4-4-door-sedan/2020