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 rates for an Audi A4 are $1,554 a year with full coverage. Comprehensive insurance costs around $346, collision costs $660, and liability costs $390. A liability-only policy costs as little as $452 a year, with high-risk insurance costing $3,372 or more. Teenage drivers pay the most at $5,696 a year or more.

Average premium for full coverage: $1,554

Premium estimates for type of coverage:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different A4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below details estimated Audi A4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $880
• Drivers who choose higher $1,000 deductibles will pay about $228 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,554
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $446 annually
• Drivers who are prone to accidents and violations could pay at least $3,372 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $5,696 a year

View Chart as Image

Auto insurance prices for an Audi A4 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $5,600 a year. View Rates by Age

Where you choose to live makes a big difference in Audi A4 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,100 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $680 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Find Affordable Audi A4 Insurance

Finding better rates on insurance for an Audi A4 not only requires being a safe and courteous driver, but also having good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the ideas that were raised in the charts and tables above.

• Teenage drivers are expensive to insure, possibly costing $475 per month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,820 more every year for auto insurance
• Increasing policy deductibles can save around $675 each year
• You may be able to save up to $190 per year simply by shopping early and online

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