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 insurance prices for an Audi A4 are $1,544 every 12 months for full coverage. Comprehensive costs on average $332 each year, collision costs $656, and liability is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing around $3,356. Teenage drivers receive the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,544

Rate estimates by individual coverage type:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and A4 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities.

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

These examples show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows estimated Audi A4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $874
• Raising to $1,000 deductibles will save around $224 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,544
• Using low deductibles increases the price to $1,980
• Drivers who are prone to accidents and violations could pay upwards of $3,356 or more
• The cost to insure a 16-year-old driver may cost $5,696

View Chart as Image

Auto insurance rates for an Audi A4 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your A4.

Using high physical damage deductibles can reduce rates by up to $660 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Audi A4 insurance prices. A middle-age driver might find rates as low as $1,020 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,200 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 the Right Audi A4 Insurance

Saving money on insurance for an Audi A4 consists of being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Take the time to compare rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the coverage data covered in the above illustrations.

• Drivers can save as much as $190 per year simply by quoting online in advance
• Increasing deductibles could save as much as $650 each year
• Teenage drivers are charged the highest rates, costing as high as $475 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,810 more each year for auto 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