Audi A4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 auto insurance rates for an Audi A4 are $1,484 annually including full coverage. Comprehensive insurance costs an estimated $292, collision insurance costs $592, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $3,238 or more. Teens pay the most at up to $5,594 a year.

Average premium for full coverage: $1,484

Premium estimates broken down by type of coverage:

Comprehensive $292
Collision $592
Liability $442

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all A4 models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for an Audi A4 range from as cheap as $496 for minimum levels of liability insurance to the much higher price of $3,238 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,484
High Risk $3,238

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.

Rural Areas $1,113
Small Cities $1,558
Large Cities $2,003

These rate differences highlight why everyone should compare rates for a targeted area and their own personal driving habits, rather than using averaged prices.

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 Details

The chart below breaks down average Audi A4 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $843
  • Drivers who choose higher $1,000 deductibles will pay approximately $200 every year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,484
  • Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $392 each year
  • High-risk insureds with serious driving violations could pay up to $3,238
  • An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $5,594 a year

View Chart as Image

Audi A4 insurance cost comparison chart
Column chart showing Audi A4 insurance prices range from $843 to $5,594 for full coverage

Auto insurance prices for an Audi A4 also have a wide range based on the model of your A4, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,800 to $2,400 in extra premium annually, depending on your age. Audi A4 insurance for high-risk drivers can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Audi A4 insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,120 on average in Louisiana, New York, and Michigan.

Audi A4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,342 -$142 -9.6%
Alaska $1,140 -$344 -23.2%
Arizona $1,232 -$252 -17.0%
Arkansas $1,484 -$0 0.0%
California $1,692 $208 14.0%
Colorado $1,418 -$66 -4.4%
Connecticut $1,526 $42 2.8%
Delaware $1,680 $196 13.2%
Florida $1,858 $374 25.2%
Georgia $1,370 -$114 -7.7%
Hawaii $1,066 -$418 -28.2%
Idaho $1,004 -$480 -32.3%
Illinois $1,106 -$378 -25.5%
Indiana $1,118 -$366 -24.7%
Iowa $1,002 -$482 -32.5%
Kansas $1,412 -$72 -4.9%
Kentucky $2,024 $540 36.4%
Louisiana $2,198 $714 48.1%
Maine $914 -$570 -38.4%
Maryland $1,226 -$258 -17.4%
Massachusetts $1,188 -$296 -19.9%
Michigan $2,580 $1,096 73.9%
Minnesota $1,242 -$242 -16.3%
Mississippi $1,778 $294 19.8%
Missouri $1,318 -$166 -11.2%
Montana $1,596 $112 7.5%
Nebraska $1,170 -$314 -21.2%
Nevada $1,780 $296 19.9%
New Hampshire $1,068 -$416 -28.0%
New Jersey $1,658 $174 11.7%
New Mexico $1,314 -$170 -11.5%
New York $1,564 $80 5.4%
North Carolina $854 -$630 -42.5%
North Dakota $1,216 -$268 -18.1%
Ohio $1,026 -$458 -30.9%
Oklahoma $1,524 $40 2.7%
Oregon $1,360 -$124 -8.4%
Pennsylvania $1,416 -$68 -4.6%
Rhode Island $1,980 $496 33.4%
South Carolina $1,344 -$140 -9.4%
South Dakota $1,254 -$230 -15.5%
Tennessee $1,302 -$182 -12.3%
Texas $1,788 $304 20.5%
Utah $1,100 -$384 -25.9%
Vermont $1,016 -$468 -31.5%
Virginia $890 -$594 -40.0%
Washington $1,148 -$336 -22.6%
West Virginia $1,360 -$124 -8.4%
Wisconsin $1,028 -$456 -30.7%
Wyoming $1,322 -$162 -10.9%

View Chart as Image

Audi A4 insurance rates by U.S. city

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.

Audi A4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Audi A4 $292 $592 $442 $1,484
2014 Audi A4 $234 $400 $464 $1,256
2013 Audi A4 $228 $374 $474 $1,234
2012 Audi A4 $210 $346 $474 $1,188
2011 Audi A4 $206 $314 $478 $1,156
2010 Audi A4 $192 $288 $474 $1,112
2009 Audi A4 $180 $262 $474 $1,074
2008 Audi A4 $174 $234 $468 $1,034
2007 Audi A4 $172 $230 $460 $1,020
2006 Audi A4 $168 $218 $452 $996
2005 Audi A4 $154 $208 $446 $966
2004 Audi A4 $150 $198 $442 $948

Rates are averaged for all Audi A4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Audi A4 Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Spend time shopping around at least once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a quick review of the primary concepts that were touched on above.

  • You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
  • Drivers with a DUI or reckless driving violation could be forced to pay on average $1,750 more annually for auto insurance
  • Increasing policy deductibles could save up to $600 each year
  • Teenage drivers are the costliest to insure, with the cost nearing $466 per month if full coverage is included

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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Audi A4 allroad SW AWDN/RN/R5 starsN/R
2020 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2020 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2019 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2019 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2018 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2018 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2017 Audi A4 4 DR FWD5 stars4 stars5 stars5 stars
2017 Audi A4 4 DR AWD5 stars4 stars5 stars5 stars
2016 Audi A4 4 DR FWD5 stars5 stars5 stars5 stars
2016 Audi A4 4 DR AWD5 stars5 stars5 stars5 stars

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
Insurance Coverage CategoryLoss Rate
Collision79%
Property Damage7%
Comprehensive3%
Personal Injury-20%
Medical Payment12%
Bodily Injury0%

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.

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

Rates by Driver Age

Audi A4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,594
20 $3,458
30 $1,550
40 $1,484
50 $1,356
60 $1,332

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,876
$250 $1,694
$500 $1,484
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,484
50/100 $1,620
100/300 $1,731
250/500 $2,018
100 CSL $1,665
300 CSL $1,908
500 CSL $2,085

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,992
20 $5,516
30 $3,308
40 $3,238
50 $3,092
60 $3,066

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.

SR-22 Surcharge $213

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $80
Homeowner $22
5-yr Accident Free $112
5-yr Claim Free $97
Paid in Full/EFT $69
Advance Quote $75
Online Quote $106
Total Discounts $641
Rate after discounts $843

Discounts are estimated and may not be available from every company or in every state.

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