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.

The average insurance prices for an Audi A4 are $1,554 every 12 months for full coverage insurance. Comprehensive costs approximately $346, collision insurance costs $660, and liability insurance is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs around $3,372. 16-year-old drivers cost the most to insure at up to $5,696 a year.

Average premium for full coverage: $1,554

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all A4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why everyone should get quotes using their specific location and their own driving history, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below illustrates average Audi A4 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $880
• Choosing higher $1,000 deductibles can save $228 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,554
• Buying pricier low deductibles for comp and collision coverage increases the price to $2,000
• High-risk insureds with multiple tickets or accidents could pay around $3,372
• Policy cost to insure a teen driver for full coverage can cost $5,696 each year

View Chart as Image

Car insurance rates for an Audi A4 also range considerably based on liability limits and deductibles, your risk profile, and the model of your A4.

Opting for high physical damage deductibles can save as much as $680 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Audi A4 insurance for high-risk drivers ranges anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,100 on average in Florida, New York, and Michigan.

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 More Affordable Audi A4 Insurance

Finding cheaper rates on Audi A4 insurance takes having a decent driving record, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to shop around every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following items are a summary of the coverage data raised in the charts and tables above.

• It is possible to save around $190 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $675 each year
• 16 to 18-year-old drivers pay the highest auto insurance rates, possibly costing $475 each month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,820 more per year than a driver with a clean driving record

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