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 $1,534 annually including full coverage. Comprehensive insurance costs around $320 each year, collision costs $640, and liability insurance costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing $3,340 or more. 16-year-old drivers pay the highest rates at $5,700 a year or more.

Average premium for full coverage: $1,534

Price estimates for individual coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and A4 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

More Rate Information

The chart below breaks down estimated Audi A4 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $869
• Using higher $1,000 deductibles will save about $218 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,534
• Buying low deductibles for physical damage coverage costs an additional $426 a year
• Drivers with multiple tickets or accidents could pay at least $3,340 or more
• The price with full coverage for a teen driver can be $5,700 or more

View Chart as Image

Auto insurance prices for an Audi A4 are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $650 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Audi A4 insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,190 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted 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 More Affordable Audi A4 Insurance

Getting lower rates on Audi A4 insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and maximizing policy discounts. Make time to compare rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the concepts that were touched on in this article.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,810 more every year to insure an Audi A4
• Drivers under the age of 20 are expensive to insure, possibly costing $475 a month if full coverage is included
• You may be able to save up to $190 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $650 each year
• You may be able to save up to $190 per year simply by quoting online in advance

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