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.

Average auto insurance rates for an Audi A4 are $1,534 annually with full coverage. Comprehensive costs an estimated $320, collision costs $640, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,340. Teenage drivers receive the highest rates at $5,700 a year or more.

Average premium for full coverage: $1,534

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all A4 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $869
• Drivers who choose higher $1,000 deductibles will pay approximately $218 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,534
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,960
• High risk drivers who are prone to accidents and violations could pay up to $3,340 or more
• The cost with full coverage for a teen driver for full coverage can cost as much as $5,700 a year

View Chart as Image

Insurance rates for an Audi A4 can also vary considerably based on the trim level of your A4, your driving record, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,800 to $2,500 extra per year, depending on your age. Audi A4 insurance for high-risk drivers can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $650 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Audi A4 insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,070 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates can be significantly 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

Saving money on Audi A4 insurance not only requires avoiding accidents and claims, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a summary of the data covered above.

• Drivers who want increased liability limits will pay an extra $460 every year to go from a minimum limit to higher 250/500 limits
• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $650 each year
• Drivers under the age of 20 are charged the highest rates, with premiums as much as $475 per month including comprehensive and collision 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