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.

Estimated insurance prices for an Audi A4 are $1,534 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $320, collision costs $640, and liability coverage costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing $3,340 or more. 16-year-old drivers pay the most at $5,700 a year or more.

Average premium for full coverage: $1,534

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all A4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why everyone should compare prices for a targeted area and their own driving history, rather than using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Audi A4 insurance rates for other coverage scenarios.

• The best full coverage rate is $869
• Using higher $1,000 deductibles will save approximately $218 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,534
• Buying pricier low deductibles for physical damage coverage costs an extra $426 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,340 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,700 or more

View Chart as Image

Auto insurance prices for an Audi A4 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $650 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,800 to $2,500 in extra premium annually, depending on your age. Audi A4 insurance for high-risk drivers can be around 44% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Audi A4 insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,070 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different.

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 Shop for the Best Audi A4 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the data that was covered in the above illustrations.

• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Consumers who want higher liability limits will pay around $460 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Teens are the costliest to insure, with premiums being up to $475 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations could be forced to pay on average $1,810 more annually for A4 insurance

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