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 $1,544 every 12 months for full coverage insurance. Comprehensive costs on average $332 each year, collision costs $656, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $3,356. Teen drivers pay the most at $5,696 a year or more.

Average premium for full coverage: $1,544

Premium estimates by type of coverage:

These estimates include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and A4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, 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 illustrates estimated Audi A4 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $874
• Raising to $1,000 deductibles will save around $224 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,544
• Choosing low deductibles increases the price to $1,980
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,356 or more
• An auto insurance policy to insure a teen driver may cost $5,696

View Chart as Image

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

Choosing high deductibles can reduce prices by up to $660 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Audi A4 insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,090 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different rate calculation, so the 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 Cheap Audi A4 Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Take the time to compare rates every year by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following is a brief summary of the coverage data covered in the above illustrations.

• It is possible to save as much as $190 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $650 each year
• Teens pay the highest prices, with premiums being up to $475 per month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,810 more each year 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