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 insurance. Comprehensive costs around $332 each year, collision insurance costs $656, and liability coverage costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs around $3,356. Teen drivers receive the highest rates at up to $5,696 a year.

Average premium for full coverage: $1,544

Rate estimates for individual coverage type:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and A4 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.

These examples illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

The chart below illustrates average Audi A4 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $874
• Using higher $1,000 deductibles will save about $224 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,544
• Choosing low deductibles for physical damage coverage increases the price to $1,980
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,356
• The cost to insure a teenage driver can be $5,696 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $660 a year, whereas increasing liability limits will increase rates. Switching 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 only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates

Where you live has a huge impact on Audi A4 insurance rates. A driver around age 40 might see rates 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

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 Cheapest Audi A4 Insurance

Saving money on auto insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the information illustrated above.

• It is possible to save up to $190 per year just by quoting online in advance
• Teen drivers are expensive to insure, costing up to $475 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $650 each year
• Drivers that have major violations or accidents may pay on average $1,810 more every year to insure their A4
• Consumers who may need more liability coverage will pay about $440 annually to increase from a minimum limit to a 250/500 level

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