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 $1,484 annually including full coverage. Comprehensive insurance costs around $292 each year, collision costs $592, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $3,238 or more. Teen drivers pay the highest rates at $5,594 a year or more.

Average premium for full coverage: $1,484

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical 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 can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $843
• Using higher $1,000 deductibles will save about $200 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,484
• Choosing low deductibles for physical damage coverage costs an additional $392 every year
• Drivers with multiple violations and an at-fault accident could pay at least $3,238 or more
• The price with full coverage for a teen driver can be $5,594 or more

View Chart as Image

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 no violations or accidents and high physical damage deductibles may 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 should be prepared to pay as much as $5,500 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 $2,400 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $600 every 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 $398 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Audi A4 insurance prices. A driver around age 40 might see prices as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,120 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 and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 the Cheapest Audi A4 Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the ideas that were covered in the charts and tables above.

• Teenagers are charged the highest prices, possibly costing $466 a month if they have full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,750 more every year for car insurance
• Increasing physical damage deductibles could save up to $600 each year
• You may be able to save up to $180 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.

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.

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